While I disagree that we can afford, we should have in preparation for incase something to get insurance "bad" or "unexpexted" occurs. However, not everything is worth for insurance.
Take for example car insurance. It 'an absolute must to get the full car damage insurance when purchasing a new car or a luxury vehicle in the event of theft or negligence.
But if you're a used car is worth less than 300k pesos do not think Payment for the unit of insurance is worth it.
Usually, when an accident happens to your car. They want us to "talia" to resolve and repair costs for the estimate. Or you could take the car service station.
Depending on your chosen car insurance provider. Most auto insurance is only for the amount of 5k to 10k pesos. That is quite unfair and is one of my biggest complaints about paying for Insurance>.
For example, if your car insurance covers only damages in excess of 10k pesos. And if the fixed cost for your car is less than 10k, will not be paid by
insurance agency. If it costs 12k pesos to fix, is the only insurance company that you pay the 2k pesos. They shoulder the 10k pesos in addition to annual premiums you pay for.
Of course there are exceptions. If you depend on your livelihhod> Car as privately owned taxis, school and shuttle service for pick-ups or vans including the popular Mitsubishi L300 and the Kia Ceres. Getting an insurance will probably give you the rest of cashing stolen. But the value of the vehicle in case of need could be taken into consideration before the insurance you think.
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