I completely agree, insurance is crucial. It provides peace of mind knowing that you're protected against unexpected events. Personally, I've had situations where my health and auto insurance came in handy, saving me from significant financial strain.
The incident you experienced may have also been experienced by other people in different conditions in their lives, but after you know about the important points of having your own personal health insurance and car insurance. At least you should not make insurance carelessly through partners or companies that are not well-known enough unless you know that the company's finances are still healthy without any problems with other insurance users who are already members. Because making any insurance in the wrong place can also make it more difficult for you when you have to face a problem that comes suddenly like you said.
The point is that insurance is very important, because insurance will protect us when we experience conditions that can be alleviated by insurance. However, it is true that as you said there are many insurance companies, it is very important for us before entering insurance we must be selective in choosing an insurance company because there are also many naughty insurance companies that end up harming their customers.
There are several tips in choosing an insurance company. First, choose insurance whose products owned by the company can help us or according to our wishes. Second, choose insurance that already has a big name (because usually insurance like this, only focuses on the progress of the company, then the insurance party will be able to help its customers optimally, especially when its customers are at risk of life (illness/accident/death), in this case for example to file a claim. Finally, choose insurance that has good claim procedures and criteria, because that means customers can be calm to file a claim because the insurance is trusted.
Because basically the focus of insurance is to protect its customers from all life risks through financial planning that is in accordance with the needs of its customer's risk profile.