basically on the insurance front in Goa its the vehicle thats insuranced not you, my friend has had 2 accidents one involving a runnaway tuk tuk, driver failed to put on his brake correctly and the tuk tuk rolled down the pathway hitting the car in the side, damage was approx Rs3.000 he had no money and the guys hanging around had a whip round and gave him Rs1.500, so my friend was out of pocket, but if you call the police and make a complaint it will cost you money to go to court.
second accident was a young guy with his sister on the back of a scooter, he lost control and smashed in the front of the car, he drove off leaving his sisters handbag in the road..... A local guy saw the incident and knew these kids, he brought them to my friends house, he was under 16 and no licence, and of course no money... again another compromise he managed to get RS2.000 from somewhere, otherwise my friend was going to keep the handbag, mobile phone etc. this time she went through her insurance and the bill for this damage was Rs9.000 but my friends husband is indian so that makes a difference of course. just be very very careful and technically you do not need a international licence as india is apart of the geneva convention and under one of the traffic laws as long as you have a full licence of your country a international one is not needed, and this we have proved in a court of law after we had a accident.