When you buy insurance, you won't need it.
But when you don't buy insurance, you're going to need it.
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FACTS!
Or at least you'll wish you had it. This is probably a corollary to Murphy's Laws.
I generally see insurance as a gamble someone doesn't want to win. But if you do you're glad you had it.
Deciding if there is value to have it depends on risk and toleration to consequences.
