Why do I need insurance?

To protect your family and assets in a claim situation.  Insurance helps you pay for property damages (for your property or someone else’s) and health/medical expenses related to an insured event.   In order to drive a car you own, you must have insurance by law.   The state also requires you to have insurance when you have a loan or lease on a car or home.   In addition to these legal requirements, insurance can help in the event that you are sued.