Can you afford to risk a $100,000 medical bill? What about $20,000 to replace your car? Most of us cannot afford such large surprise bills, and even if you can afford these expenses, it would really hurt to have to do so. That's where insurance comes in. Regardless of what type of insurance you are talking about, be it medical, house, or car, insurance is all about reducing risk. You pay a relatively small amount each month to ensure that if something bad happens, you don't have to come up with a huge amount of money to cover the associated bills. Sounds like a good deal, doesn't it? You can learn more by reading here.