Originally Posted by selzbytes
if anything happens I'm basically screwed.
I´m afraid it´s not just China, where you have a good chance to be considered the ´guilty´ party, no matter what happened. China of course may be one of the worst, because it´s very hard for foreigners to even ride there 100% legally, but plenty of examples of basically the same thing with accidents all over Asia. Also the whole insurance thing is very, very different to what you may be used to back home. Add to this the language barrier, possible corruption, etc., and it is one of the biggest downsides of the otherwise splendid area for riding bikes. Not meaning to scare anyone, but a major accident (and its aftermath) will be almost guaranteed to give you a major headache.
But despite that, I do enjoy riding there, and I´ve done some of the best rides of my life in Asia, so I still recommend it. Just be aware of the risks, and take time to learn the local ways in traffic.