I still see insurance is important, if you involved in an accident, people will check whether you have insurance (insurance card for example) and you could get insured even if you are unconsious ...

Imagine if you have millions in the bank, stocks and mutual funds ... those money can't be touched unless you are awake and walk to the bank to withdraw it. No one else can do that for you!

Insurance ... the company and agent will do that for you.