![Rant :rant:](./images/smilies/rant.gif)
Notice - this is a rant so dismiss any seriousness from this post.
I have always thought that the general premise behind shelling out for fully comprehensive auto insurance is that your vehicle and anything else is covered should you have an accident and you get a better service than the bare bones third party legal cover.
Wrong.
The term 'cover' in Thailand is extremely loose indeed and the whole system seems orchestrated for a few people to make a bit of money and the poor bastard with the damaged wagon to suffer.
Now this is twice that some pelican has driven into our car though we should be grateful this time that he actually had level one insurance unlike the first one that didn't have any. Insurance companies here will only work with 'select' garages and very few of them are in Hua Hin. Firstly these select garages have such a queue of busted wagons to fix that the wait is longer than that in a Thai airport during a protest.
So its a drive to South Butte Phuk to locate the said garage. When they do finally take a look at your wagon they kindly tell you that they do not order genuine parts as they are too expensive ... so cheap copies it is then. Secondly they tell you that they can't match the body work ... so technicolour dream-car it is then.
Now if the insurance company is paying why can't they order direct from the genuine supplier? Twice the the kickbacks for cheapo parts.
The third kick in the pants is that they want to keep the car for three weeks to do a 4 hour job so that they can charge the insurance company a daily rate. Good news for the garage bad news for my kids who have to walk to school now.
So the result of a problem caused by some other careless twat is a two-tone car with ill-fitting, sub-standard, parts that I'll probably get back in March.
Insurance? Why bother!
![Rant :rant:](./images/smilies/rant.gif)