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Sagot :
Life , Health , Car are considered to be very important insurance , Rental Car Damage , Travel Insurance has no usage.
What is Insurance ?
Insurance is safe guarding any thing which has some monetary or emotional value to it , It can be life , health , car , house , your gold etc.
Insurance protects you against something you can never predict .The life is unpredictable and Insurance is a cover to that .
As given in the question , a person can be lucky enough that he never gets to use the money that he invested in the Insurance , but not investing due to this is wrong.
This is not difference of opinion but lack of prediction of future and lack of understanding the needs of life.
Life , Health , Car , Home , Fire etc . insurance that protects the basic amenities of life are considered to be very important ,
while nowadays insurance of Rental Car Damage , Travel Insurance , these are some which has no usage beyond the fact that they cover nothing.
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