Insurance is a arrangement with a certain company that gives you a guarantee of money for a specified loss, damage, illness, or death in a form of payment. You should always have insurance. If you don't have insurance something could go terribly wrong and you would be stuck with it. Say you got in a car accident in your new Chrysler 300. You couldn't get it repaired if you don't have insurance. Also it is illegal to drive a car without insurance which is also a downside of not having any. Medical insurance is top priority in my book. If you didn't have medical insurance and went to the hospital because you got hurt, the bill would be enormous. Medical bills are ridiculous now a days and you should have a way of paying for them. So get insurance! I mean why wouldn't you get it? Its always good to have a back up plan.
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