> Your bet is that you'll drive a car without an accident. That's the ideal outcome, but it is not the bet being made by the person buying insurance. In fact t

> Your bet is that you'll drive a car without an accident. That's the ideal outcome, but it is not the bet being made by the person buying insurance. In fact the opposite. If you believed that you wouldn't have an accident you would not buy insurance. You buy insurance because you believe that you will likely have an accident at some point and that the accident will happen either soon enough or seriously enough that the cost of covering the accident will be greater than the total cost of insurance up to that point.