the insurance claims should be split up by the top four companies. Divided by four each month or three months. After all other administrative fees. Other companies could merge with the top four, or remain private for nationals.
Please consider Remitley instead of Wise. One can also see every transaction made. I used Wise and had a change in my e-mail carrier and couldn’t update. As a result couldn’t use it. Had to find an alternative, glad I did. Cost is very reasonable.
Thais will get what ever they can, because they can. Don’t forget save their face, show dignity and calm and make a better offer. Be prepared with bills from .20-100tb. A thousand reserved for stores and shops . Learn their value asap. Lesson learned. Complaining to them will make things worse. Read on google, “what is save face in Thailand “, you will have a better idea how to communicate and not get ripped off.