That's the lottery, actually. The lottery is a special tax on people who are ignorant of probability. Anyway...

Late last year there was a horror story, of sorts, that was posted on FB and reposted on the Han River Riders page.

Very briefly, an Australian national was cycling in Korea, on a tandem, and collided with a Korean national who was injured pretty seriously. The details are somewhat confused, and the story is incomplete, but bottom line the Australian was barred from leaving Korea and had to hang around, three or four weeks, while the case was unwound. She never shared the ultimate outcome, that I am aware of.

I am planning to do some riding in Korea later this year, so I have been considering some kind of travel insurance that provides liability while abroad. From what I read, a rider on a bicycle is legally viewed as being the same as a motor vehicle in that country, but my insurance here in the US only covers activity in North America (US and Canada).