Sorry just Google [how much is foreign transaction fee ) and you will see I'm correct. I personally pay Zero in my foreign card. And I also have thai bank account which charges a small fee if I'm. In different province.
But if your new to Thailand and don't know that Thailand will F@#k you over on ATM charges they might like to know that fact.
OK if you thai Account. But if you have a foreign Account your going to be charged a Fee from Thai bank and charged by home country's bank then charged 2.5% conversion by foreign bank.
I would say she probably only has the compulsory insurance which wouldn't cover damage to property only limited medical.
It's a gamble to proceed with your damage claim as it could go against you being a foreigner as they often take the word of a Thai regardless of blame.
Dtac works great on the islands good signal.great speed. easy to top up and buy new package once you download the dtac app all the prices and packages are easy to choose