Car insurance can feel confusing, especially in Indonesia where rules, coverage types, and road risks may be very different from your home country. At BPI, we hear a lot of assumptions and misunderstandings — so let’s clear things up. Here are 5 of the most common car insurance myths  we hear… and the truth behind them. Myth 1: “I drive safely, so I don’t need car insurance in Indonesia". Even if you're the safest driver on the road, you can't control other drivers, weather,