I've just done Montenegro/Bosnia/Serbia and it took no time at all at the borders - not even 5 minutes. The only Time I had to queue was Montenegro, and that was because there was a massive queue at the passport bit - not the insurance bit. I've never had the right money, and I always got change too. In Montenegro I even paid with a mixture of Euro and Kuna.
General system is as others have said: passport control, leave passport, drive over, get insurance, walk back, get passport. Turkey was a different story though.................
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