How does scooter/motorbike accident insurance work in Thailand for expats?

In Thailand, motorbike accident insurance can be complex for expats. Here are the key points shared by the community: 1. **Mandatory Insurance**: There is a required basic insurance covering damages to others. Additional coverage types like Type 3 (damages to others) or full third-party coverage may be necessary. 2. **Health Insurance**: While health insurance will cover accident-related medical treatment, motor insurance is prioritized when making claims. 3. **Getting Coverage**: Many expats recommend obtaining insurance from established companies like Roojai or Viriyah, often accessible online. If renting, check if the bike has sufficient insurance; many rentals offer only basic coverage. 4. **Claiming Process**: After an accident, health treatments should be sought within 24 hours for coverage, and insurance companies often provide immediate assistance at the scene. However, rules on liability can lead to financial obligations regardless of insurance coverage.