Insurance..make sense!!

What is very important US? House?Car?Mobile? Naaaaa.....most important thing to have in USA is Insurance:) One must have Health insurance and if you are going to drive a vehicle then a Car insuarnce along with the health insurance. I have seen folks driving without insurance, by doing so they are actually Risking their lives :( Today insurance saved me ($$$$) from a car damage. I know insurance compnies earns a lot in US but at the same time they makes your life smoother. Taking Risk is good thing it shows your courage but risk at the cost of life is madness....