Having recently had an accident in Thailand on a motorbike where my insurance seems to think it’s ok to make me jump through hoops before they even start to pay out is there any insurance companies that are there to help in your time of need? 
TLDR : Answer Summary
The conversation discusses the challenges expats face when dealing with insurance companies after experiencing motorcycle accidents in Thailand. Many contributors emphasize the importance of having a valid motorcycle license, as failing to do so can lead to insurance companies denying claims. Several insurance companies are mentioned, with users recommending Southern Cross Travel Insurance and Genki for their efficient handling of claims. Additionally, the community shares personal experiences regarding the responsiveness and support of various insurers during medical emergencies.