Saturday, January 30, 2010


When the old building came crashing down, one of the issues that came up was insurance and compensation.

Nowadays we try to insure against more and more things: damage or theft of your car, bodily injury or property damage to others caused by your car, damage or destruction to your home due to disasters, such as fire, flood, or earthquakes, medical insurance, dental insurance, disability insurance, worker’s compensation, crime insurance, political risk insurance, life insurance, mortgage insurance, property insurance, collatoral protection insurance, kidnap and ransom insurance, pet insurance, ...

How many and how much of these do you have?

There are reasons to purchase any and all of these insurances, some more reasonable than others. The basic reason is, I suppose, to protect myself or loved ones against the possibility of bad things happening. But I have a strong aversion to buying many types of insurance.

Perhaps I am just cheap, lazy, overly optimistic, or downright irresponsible. But I do have philosophical and practical objections. To provide for the amount of insurance that really makes an impact, the premium that I have to pay is just way too much. If the amount of insurance is not really sufficient, then what is the point of buying the insurance?

More importantly, it is better to put the effort into living a full and meaningful life. Rather than to spend our time and effort protecting against all kinds of disasters and mishaps - which are just too numerous to even contemplate.


Anonymous said...

Sometimes the insurance for not only for ourselves, but for persons who are unfortunately involved in accident caused by us. Think 3rd party insurance for cars?

StephenC said...

Agreed. I am not against all insurances. Just some (ok, many) of them.

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