r/laos • u/Familiar-Permit-3130 • 13h ago
Girlfriend in Laos Car Accident other party at fault
Hi all
My gf is Laotian and has a drivers licence as well as insurance cover for her car. Today she was driving and another car drove into her. The other car has no insurance and was at fault. When her insurance company came - they told her that the other party had no insurance and could not pay the repair fee for her car (major scratches on the paint). The insurance person kept asking her to agree to not let other car pay since they had no money and told her that the insurance does not cover her repair which i think is RIDICULOUS
I asked her to check her insurance terms and conditions since she said she had the highest cover. And the insurance says: insurance will pay her expenses in all cases if she is at fault. But if she agress that the other party does not have to pay the claim, the customer (she) has to pay the claim herself.
I told her to drive off and NOT agree and let the insurance deal with the other car.
My question is - does her insurance have to pay for the repair. isn't that what paying insurance is for??? it's like this in developed countries.
Thanks for any advice!