I had a small Foopah on my BMW RT some 3 months ago. Tarmac dug up and the dirt swamped halfway down a hill creating slick mud. This ended up with a rip in a fairing, broken engine guard, mirror knocked off, tail light lens with a small crack, and a pannier box with a broken mounting hook. The rest was scratches. I took it to a Thai lad in his shop whom I have used for nearly 20 years. I told him it was going to be an insurance job and not to do anything until Insurance had viewed the bike. The next day I went back and paid the 10k Baht that my 1st class insurance obliges me to pay. The next day the insurance visited the shop and then me. The insurance agent had a list of the repairs, basically as mentioned above. Two months later I am told my bike is ready.. I pick it up and ride home with a mirror gaffer taped on , a pannier box zip tied on and the engine guard still missing. The main body plastic had been repaired and the body painted. I asked about insurance he said no insurance you pay me insurance pay you. I checked with AA insurance in Hua Hin and they said do not pay, wait for insurance. I advised this to the shop. Over the next 2 weeks I received ever more unpleasant text messages. I did point out that as disappointed as he was, I was also disappointed to ride a bike home in the condition he left it plus a non working kick stand safety switch which he forgot to wire back up. He sent a very unpleasant reply telling me that nothing from insurance told him to do those other jobs and that I was taking him for an idiot. He also said Quote If you want to stay in Thailand you respect the Thai people because you will have bad karma. If you don't pay me...you better don't stay in my country unquote. I sent this to Matt at AA Insurance in Hua Hin and he repeated an offer that AA would, as a gesture of good will, pay half of the 11000 that was owing. I accepted their offer and within 24 hours this was paid and within another 24 hours the shop was paid. The insurance company NS insurance (initials) who have a shop here in Chiang Mai still have not paid anything despite constant pressure from AA insurance broker. I had 1st class insurance but an insurance that does not pay out is no insurance at all, it was very lucky I was not injured with hospital bills to pay. My thanks to Matt at AA insurance brokers for all his help. No thanks to NS insurance, Anyone know where to take BMW bikes to in CNX, the main dealer is out as I am told they still take parts off of customers bikes to test on other bikes as they cannot get spares. Obviously I will not be returning to this shop again. David did say I could name in full the parties involved but I will let him do that in case any of it crosses libel laws.