In Vietnam, the insurance is on the motorcycle. But that doesn’t mean the motorcycle is covered or repaired if you break it, if someone hits you, or if someone steals it from you. It’s just a basic insurance so the police see that the motorcycle is insured. If you crash into someone, I assure you that you probably won’t catch anyone. If you wreck the bike, you’ll likely have to repair it, or at least you won’t see your $1,000 deposit again. That’s how things are. I’ve crashed too, and in 10 seconds, I didn’t see anyone around. The language barrier makes things hard, and in most cases, it’s normal—very normal—to crash or fall down, and for both you and the bike, it’s quite common. It happens every day, and I’ve seen quite a few cases like this. But that doesn’t mean anyone will stop to call the police or investigate. Everyone gets up and continues on their way. That’s how it is. No one is bothered by falls and scratches. If it leads to hospitalization, then your private insurance kicks in to cover your medical costs, and that’s about it.