You can get SafetyWing travel insurance for about $38/month.
I have it specifically for motorcycle accidents. I want top quality care should something happen. It could be a relatively affordable surgery at 100,000-200,000฿ or worse case be In ICU. Either way I’m covered.
The mandatory minimum insurance that comes with your bike is two-thirds of fuck all. It’ll cover a scrape or simple fracture.
I’m not looking for trouble but trouble may be looking for me.
If you want to do it all aboveboard you either get there early in the morning for a low number or you come late and take your chances. Hey, maybe they don't hand out all the numbers every day.
You can use a "fixer" to expedite the process but it comes at a cost.