I defined Adventure Travel to exist, when it is possible you could die. A group tour is not normally Adventure, it is just exciting,.
Basically, rob hit the nail on the head, why I finally sold my vehicle in 2001, one 'strike' and I was out! (I had long cancelled my third party insurance) I had driven over 800,000 km, or 500,000 miles with only three fender bender type accidents on the road, once in rural Guatemala an older man had a heart attack at the wheel and missed me by inches on the road, same thing happened to me in Pennslyvania, USA in early 1970s, charmed life I guess. These days in San Salvador, El Salvador most dangerous thing I do is crossing main streets, they talk and text on their cellphones here while driving, many run red lights, make illegal u turns, and if a person gets hit and the driver, usually uninsured, is able to get away 'hit DAv e ex pat and run' they will, have witnessed about 20 hit and runs in 24 years in tropics , last night was out till after dark so took a taxi home, another cab cut him off at intersection, road rage! Anyway for my $3 fare I am not liable if the driver gets into an accident, advice to those who rent cars abroad and go out drinking, either have one driver stay sober or take taxis, if you as a foreigner, are DUI anywhere in world and are involved in accident, you are in deep sh*t. A Canadian man last week was arrested in enteing USA for hit and run in Costa Rica and being extradited for trial. I always take the big sturdy Blue Bird city buses and avoid the smaller microbuses. DAve ex pat and survivor.