I live in India, still have comprehensive insurance on my bike and multiple health insurance policies for myself... My bike is actually insured for more than what I paid for it, and my health insurance is about 50,000$. Which in India isn't bad at all... Like I said earlier, 100 and 300k claims are pretty much non existent here. If I'm ever in an accident, the insurance will cover the bike and health insurance is more than adequate to cover me. It also helps that my family is kind of well off...
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