I have heard several times if you get on an accident you have to sit in jail for up to 72 hours until its figured out who's fault it was. That being said I also hear its usually blamed on the Expat/Gringo?? And they end up paying out$$. My questions are does having full insurance coverage actually save you from paying if you have an accident?? How much per year do expats pay for car insurance?? (For a car 2-5 years old).