Car Insurance Applications by Culture
For most countries, car insurance is a necessity if they want to drive around their car and be safe. In countries like Australia, you are not allowed to drive around a car unless it has been insured. Normally it will be a nominal fee but the thing is, if you don’t have it, you cannot drive it.
In the Philippines, it is different. They provide insurance only as a formality. Unless you get the comprehensive insurance policies, when you meet an accident, you are likely to have to pay for it yourself. That is just how it is in countries who bend the rules and regulations of traffic issues today.

