I suffered my first car accident a month or so ago, which is quite something as I've been driving for nine and a half years.
Ironically it came minutes after I'd been talking to a family friend, over from Switzerland, about the standard of driving in Thailand.
As it happened, the incident was the perfect example for my Swiss friend, who, as a former expatriate in Singapore, was interested to learn "how it all works with accident insurance" in Thailand.
The lady who drive into the back of me (the red/burgundy car) whilst I waited for at a red light was pretty shell-shocked, even more so on seeing a couple of foreigner step out of the vehicle.
"I'm so sorry, I didn't see you" she kept repeating in Thai.
The damage to my car was minimal, she bore the brunt of the spare tyre into her bonnet, but we took her number and some photos just to be sure.
After a chat with her, The Missus quickly found that, like all too many motorists in Thailand, the lady had neither insurance nor a license to drive - a combination with severe consequences back in Blighty, but pretty standard here.
The woman was so shocked by it all that she nearly reversed into the central reservation when my Swiss friend and began pushing her non-starting motor to a safer place. I did feel sorry for her but that feeling was nothing compared to the relief that our car was not damaged.
Lesson learnt, never tempt fate discussing car accidents whilst driving a car.
Particularly in Thailand.
I got off pretty lightly.