Above all do buy it even, even if it is a hassle to pursue.
My lad had a prang in Laos over Crimbo, where it proved invaluable.
Even tho he was adjudicated to have been in the right, it would have been a serious problem had he not payed the modest $7 for LVI basic compulsory coverage.
If the cops had decided against him, it would have been an even more expensive experience, than just the local tributes paid to those officials involved.
A big tip-of-the-hat to Jimoi who worked his magic with the local officials, coordinating and assisting from afar.
Without insurance the bike would have been impounded & the lad possibly held until everybody had been paid-off.