Modern insurance companies offer a wide range of services. Many people for the first time come across an insurance contract when applying for various loans, for example, a mortgage or a car loan. Few people know that sometimes insurance brings real benefits.
Many people are used to seeing insurance as wasted money. It is not always so. The sums of insurance premiums are accurately calculated by specialists, and insurers receive considerable profits at the same time, but this does not mean that the client donates his money to the insurer. Imagine that you have taken out a large loan from a bank. Within a few months, the company where you work was downsized and you were out of work. If the loss of the source of income is an insured event according to the concluded agreement, then you will not fall into a "debt hole" in front of the bank.
Nowadays, almost everything can be insured. Most often, insurance contracts provide compensation for damage to a home or car. Health insurance is designed to pay for treatment in the event of injury or serious illness. In connection with the current situation, business insurance has been actively developed. This usually refers to buildings and equipment used by businessmen.
Many people know that there are compulsory types of insurance. In this case, we are talking about civil liability insurance of owners of cars and other vehicles. Many consider this type of insurance not only useless, but also striking a strong blow to the pockets of car owners. This is not entirely true. Before the introduction of the relevant law, every day one could face a situation when the perpetrators of an accident were not able to pay for the damage caused, that is, each car owner could lose his "iron horse" and not receive compensation at all.
It is worth noting that insurance is not always beneficial, but given the intricacies of modern life, it is better to prepare in advance for possible troubles than to rely on the Russian "maybe".
