In my opinion your best bet in a traffic accident is to offer some money to the other person(s) involved and get out of there quick.
You might think you’re covered by some insurance. You might be, you might not.
Thais assume that the foreigner was wrong in most (any?) accidents. There’s a good reason for that – Thais think you can afford to pay for it, is the general assumption.
Don’t ever run away after an accident as you’ll be caught and beaten AND pay for all the damages, hospital bills. Better to offer some cash – a few thousand baht and wai a few times – making sure everyone is smiling and OK with the arrangement. If it’s a huge crash the police will likely be involved and you’re better off to get a Thai lawyer that speaks excellent English or you’ll be paying for the whole mess.
Remember, the general rule of accidents is that the farang (foreigner) is responsible. You can call the police and plead your case if you like – but I think much, much better to offer some cash and call it a loss. Probably you were doing something that contributed to the crash anyway!
What do I mean by that?
Driving a motorbike on the roads of Thailand for 100,000 km I’ve learned some things about the way Thais drive. I know when to compensate for someone ready to do something stupid because I have to do it almost everytime I drive. It’s part of the safe way to drive in Thailand – know what idiots are about to do and compensate for it before they do it and run you off the road, smack into you or worse.
Another reason to bust out the cash and hit the road again as soon as possible is because if the police DO come there will a bunch of Thais explaining in Thai to the police what happened and you speaking in English attempting to sway someone into believing your perspective.
How can you stay safe in Thailand?
You can start by getting Thailand Survival Guide 101.
Thai Black Book.
For a current state of the country – see the ultimate Thailand Guide – Thai Black Book – your guide to staying safe in Thailand
Thai Black Book information site- >