This is true, but it is very important to be able to choose a good insurance company, because often they promise one thing, but then do not want to fulfill their obligations. It is best if there is someone you know who has already been paid money for an accident, and this will be the best indicator of the insurance agent's performance.
I had such a friend and I went to get insurance from this company. Because I know many cases where the insurance company pretended that the injury or damage to the car was the fault of the insurer itself. And did not pay him anything.
Actually we should have insurance because insurance is one of the financial products that we must have and is very important to protect you and your family. But for some reason, in many places insurance actually harms its customers, there have been many cases of customers who are disappointed with insurance companies and there are always problems that arise starting from when making customer claims that cannot be disbursed to money lost because the company failed to pay and many others. So as you said insurance is important but it is much more important when choosing an insurance company.
Because of the many cases of irresponsible insurance companies, it makes many people quite skeptical of insurance even though insurance is important to protect family and property. This is indeed sometimes a dilemma for some people. Want to have insurance but afraid of being cheated, and losing money. However, if you don't have insurance, you will worry if something happens to you in the future but there is no protection.
When someone wants to have insurance, it is very important for anyone to first understand well the company that they will use as their place of insurance, what they consider important, when we are wrong in choosing an insurance company, of course it will be very likely to happen as you mentioned, so it is very important for us to be able to see the history of the company or we can ask those who have First choose the company as their insurance and after this we can decide whether the company is appropriate or not.
If someone wants to have insurance but is afraid of being scammed I think it would be better for them not to have it and prepare enough funds for their unexpected needs, but if they really want to have insurance then they have to find out from those who have been using insurance for a long time and also have to know well in terms of making a claim when they need it.