Insurance as well as handy and will save alot of money but, there you got the point where you need to have insurance.
Medical Insurance :
medical even only going to emergency rooms takes half of your salary but if you have insurance you will be saved hence its better .
The other most essential thing is your car where everywhere you is within your car and better to insured it cause of immense amount of accidents.
PS:This article doesn’t grant any advice nor force you to do its just a free advice the damage or any other harm happen linkdows or its writer not be responsible.