Why do I need to insure?

"I had my way, I would write the word" insure "over the door of every home and in the address book of everyone, because I am convinced that at the expense of small families of the victims can protect themselves from accidents that otherwise would have crushed them forever. It is our duty - to stop the terrible devastation not only of human happiness, but health and strength of the nation, which occurs when the death of a breadwinner is torn frail canoe, laden with the fate of the family "- said in the middle of last century, the English Prime Minister Winston Churchill. While in developed countries in Europe aware of the necessity of insurance until a few decades ago, in Russia, serious attention to this kind of protection risks become manifest only after the occurrence of a class of owners and a half decades ago. The Russian Constitution guarantees free medical care. This regulation is implemented through a system of compulsory medical insurance. The obligation to pay insurance premiums is on the employer and the authorized bodies of state power. Those who are dissatisfied with the level of service in municipal and state agencies, can insure their lives and health of the system of supplementary medical insurance. Thus, their expenditures for medical examination and treatment in private hospitals will be paid by the insurer. For the development of the insurance system the state is obliged to insure the lives of passengers on all modes of transport: from the airplane to the bus, also introduced rules of law that prescribe to protect the third party liability. In spite of this, today's insurance in Russia can not be called truly developed. It has not yet become a habit and he was not a real assistant, wrote about Churchill. Health - the most precious thing a man can have. It is true that it can not be bought at any price. But if a man something happens - for solving problems often requires substantial amounts of money. They can be obtained from the insurance company if warned beforehand about the policy. In Russia voluntarily insure their lives and health of only 5% of the population, whereas the figure in the U.S. and Western European countries is 70-80%. Statistics prove that the insured uninsured people live longer because of confidence in the future and receiving professional medical attention in the present. Next problem - property insurance. Agree, sometimes in our life case of theft of cars flooding the neighbors, fire, theft of valuables, etc. From all this you can protect yourself and get paid upon the occurrence of unpleasant consequences. To protect the vital topic of business products and professional liability. For example, the employer sends a consignment of goods to our partners who are in another city or another country. During the movement of cargo will be protected from damage, loss or delay delivery time. There are many other types of insurance, which guarantees the protection of other risks. Signing the contract of insurance, you'll feel confident, and at the damage - will receive financial support. This is the main use of insurance.