Sorry to go offtopic again, I'll stop after this post.
You can roam where you want (there are two large parts, you have to unlock one IIRC, but once you do you are free) and whenever you want.
Crashgate please... S.T.A.L.K.E.R. games are great just the way they are in every possible aspect and they shouldn't be changed in any way. Okay, maybe not in every possible aspect, 'cos they could use some optimisation... (high draw distance makes it pretty slow on non-high-end PCs)
Here in Croatia you can't drive at all 'till you are 18, but once you get a licence, you are not allowed to drive a car that has more than 110HP until you are 24 years old... It's kinda fued up, 'cos if you get your licence with 24, you can immediately drive any car, but if you get your licence at the age of 18, then that law is fine...
Here in Croatia you get 5% of discount (I guess you all figured out I'm talking about insurance.) each year you don't have an accident. The minimum price you can get is 50% of the total price, but if you crash it goes back to 100%. I'm not sure what happens if it's not your fault.