Ripped off on insurance
I bought a motorbike which I had to register in the name of a Thai woman I had known a long time, who worked in a hotel.
Although the bike was entered in the registration book as belonging to her, I paid for everything, including tax and insurance. I ensured that everything was in order, including having a driving licence myself.
Unfortunately, I had an accident, as a result of which I was in hospital for two days. I paid the hospital bill which, obviously, was in my name, and submitted it to the insurance company.
However, when I went to collect the insurance money I.../FONT>/FONT>/FONT>/FONT>/FONT>/FONT>
Asked on Saturday, October 23, 2004 | 12:23 PM
Dave Co, Phuket.
First, I would like to point out that a foreigner can be the legally registered owner of a vehicle so long as he has registered his address with the Immigration Office, no matter what kind of visa he holds.
However, if the insurance is registered in a certain person’s name, any payments against claims must be paid to that person. Therefore, no case can be brought against the insurance company.
You would have to file a civil case against the registered owner of the vehicle for re-imbursement of the expenses under Thai Civil and Commercial code Section 406.
Depending on the evidence, and provided that no personal relationship (for example, a common-law marriage) exists between you and the “owner” of the bike, criminal charges of misappropriation under Thai Penal Code Sections 352, 353 might also be possible.