@Jj ***
I am American and have driven on each side in many countries so no problem for me. Last trip we flew Chiang Mai directly to Luang Prabang (took the slow boat up river to come home to Chiang Rai), and had to drive our rented scooter of other side). The roads are very bad still in Lao else I would have tried driving.
I don’t think I have first class insurance???
So far looks like I will be getting insurance at boarder but not finished looking.