> Are there insurance products that people are really satisfied with and trust will pay out in case of event X? I feel like I’m self insuring when it comes to c

> Are there insurance products that people are really satisfied with and trust will pay out in case of event X? I feel like I’m self insuring when it comes to car and healthcare at least. If you mess up in your car, and kill someone or turn them into a quadriplegic so they need a 24/7 nurse, do you have the several million that it would take to 'pay off' the victims for the suffering you caused? The most important part of auto insurance is not the cost of fixing/replacing any cars involved in a crash, but the liability component.