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.
A person's mistake in choosing where they insure their health or their valuables of course this will be very sad because they may not be able to get paid when they need the insurance and I agree with you to be able to check first so that we can make sure whether the company will indeed provide insurance when their members need it and we can also ask those who have previously become members of the insurance party, because of course everyone when insuring something is certainly for needs that we cannot know well and if when we need funds and the insurance party does not provide it of course this will be very difficult for us because we have to dig back into personal savings to be able to meet these needs and it is also important for us to know how to claim the insurance whether it is easy to do or has many requirements that make it even more difficult for us when we need it.