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

The conversation discusses how motorbike accident insurance operates in Thailand, particularly for expatriates living in Chiang Mai. Key points include the necessity of having a valid motorbike license, the types of insurance available (including compulsory insurance and personal accident insurance), and the importance of having first-class insurance when renting a bike. Additionally, many participants noted that health insurance may not cover accidents beyond initial treatment, and that liability in accidents can lead to significant costs for those at fault. Rental bikes often come with minimal insurance, emphasizing the importance of thorough understanding and possibly obtaining separate coverage.