The assumption that car insurance works similarly everywhere misleads more drivers than most realise. Understanding these differences matters for cleanfleetreport anyone driving across borders. Minimum required coverage differs dramatically. Several jurisdictions have raised required minimums to levels that reflect realistic accident costs. Some countries retain historically low minimum requirements. The gap between minimum required and sensible coverage differs across countries. How countries assign responsibility in accidents differs meaningfully. No-fault systems have drivers claim from their own insurance regardless of accident responsibility. Fault-based systems require establishing responsibility before claims resolve. The choice between these systems affects nearly every aspect of insurance operation. What drivers must physically carry varies substantially.