Nobody plans to have an accident, but being prepared for one makes a real difference when it happens. Thailand's roads are generally manageable and millions of people ride here every year without incident — but knowing what to do if something does go wrong means you can handle it calmly and sensibly rather than in a panic.
If Anyone is Injured — Medical Attention First
If anyone is injured, getting medical attention is the only priority. Everything else can wait. Thailand has hospitals and clinics in every major city and tourist area, and emergency services can be reached on 1669.
Once the immediate situation is under control, contact your rental shop and ask about the Por Ror Bor — the basic compulsory insurance that all registered vehicles in Thailand carry, which includes a level of medical coverage for accident injuries. Sometimes the insurance pays the hospital directly, and sometimes you will be required to pay upfront and then submit for reimbursement afterwards. Either way, ask for it.
If a Third Party is Involved
If another vehicle is involved, take a breath — these situations are usually more straightforward than they feel in the moment.
Start by speaking with the other party. In Thailand, the general principle is simple — the person at fault pays. If either party has damage insurance, this is the time to call them. If you can both agree on what happened and who was at fault, the situation can often be resolved quickly and amicably on the spot. Most people are understanding of tourists and foreigners in Thailand and would far rather reach a fair, quick resolution than drag things out.
If fault cannot be agreed upon, contact the local police. They will assess the situation and determine who is responsible. If you are found to be at fault, the cost can often be discussed directly with the other vehicle owner or their insurance agent. Approach the conversation calmly and respectfully.
Damage to the Rental Bike
If the accident involves damage to your rental bike, the first question is who was at fault. If the other party is responsible, they should cover the cost of the damage — not you. If they have insurance, their insurance company will make the necessary arrangements directly with the rental shop. If they do not have insurance, ask your rental shop to speak with the third party directly. A good rental shop will be experienced in handling exactly this kind of situation.
If the damage is your own fault, contact the rental shop and let them know what happened. A reputable shop will assess the damage fairly and handle the situation professionally. If the cost presented seems disproportionate, ask for an itemised breakdown. Do not be pressured into agreeing to a number on the spot.
A Few Practical Things to Do at the Scene
- Photograph everything — bikes, road, damage, position of vehicles
- Get details of any third party — name, phone number, vehicle registration
- Do not move vehicles until photos are taken if police may be called
- Contact your rental shop as soon as it is practical
- Keep any receipts, repair estimates or payment records
Before you ride, make sure your licence and insurance are in order
Knowing what you are covered for before you ride is as important as knowing what to do when something goes wrong.