As we all know, insurance plays a huge role in all of our lives. We’ve deemed it necessary in almost all aspects of life and in fact, when we are covered by insurance, you are promising yourselves and your families protection against any harm of any sort. There are many types of insurance to protect your all-around safety, all deriving from statistics on the probability of loss for what you’re insuring. This all seems like common sense, but many people don’t understand the true importance of insurance at all. Most just see it as something they need to have, but why? For the longest time, I was one of these people. I never had seen how insurance worked or when it was used. I had always been told about it but I never truly understood what insurance was until disaster struck in 2013.
My mom was the first person to introduce me to the importance of insurance. My mother is an insurance agent. She’s worked at Metlife Auto and Home for over 10 years. My mother is one of the top sellers in her department, and trust me, she lives and breathes the importance of insurance. In some sense, she is a super hero. Meaning, she has always been there to guarantee mine and my siblings’ safety. Like calling Superman when you’re in danger, I call my mother. She’s sat my family down a plethora of times, describing to us what insurance is, why we have it, and how to deal with it in our futures. When I was in high school, she even spoke to my class about it in a presentation. Insurance has always been built in to my memory throughout my whole life. Though I’ve always known insurance is important, I’ve never seen it in action until June of 2013. A majority of Central New York had experienced the greatest amount of flooding in decades. It affected over 19,000 people, including my entire family. My Aunt Terry’s backyard consisted of a large creek that broke off from the Mohawk River. She was old, and so was her little trailer, and the raging waters nearly destroyed the entire thing. To put in perspective, the water was so high and dangerous that the only person reported dead from this catastrophe out of 19,000 people was my Aunt Terry’s neighbor. The list of my families’ catastrophes goes on and on, but insurance greatly helped them through all of this. My hometown was completely destroyed, and it was so sad to see. Hundreds of people in my hometown were hungry, without power, and even homeless. The National Guard helped with as much as they could, but even their strength couldn’t get rid of these waters. My mom was not Mother Nature, but she was for sure a nurturer. Whether people were insured through her or not, she gave everyone she knew the best help she could. I remember her being on the phone for hours with different people and family members discussing different insurance policies and ultimatums everyone could use to help their property back to normal. Both flood and home insurance helped my old Aunt Terry back to safety. The use of insurance was able to fix up her old little trailer and get rid of any asbestos that had formed, which greatly improved her breathing problems with her cancer. I remember her being so incredibly happy after getting off the phone with her insurance company. She was so eager to find out that her house would be fixed after living there for over 40 years! After almost half a year, my hometown was starting to look up. Houses were reconstructed, cars were fixed, and I realized that none of this could have been possible if no one had insurance. It was then that I realized insurance was going to be a very big part of my life. Without it, so many individuals would be homeless, carless, and/or very sick.
My hometown would seize to exist without insurance and it makes me so happy to realize that there are so many different people and companies that are out there to ensure everyone is safe. The theory of insurance is simple: if you want to be safe, then take the precautions to do so. Why should anyone be penalized for an accident, or something that’s out of their control? Life would be nothing without risk, and if people were afraid of risk, most people wouldn’t even leave their houses in the morning. Danger is everywhere, but don’t fret because insurance is assurance.
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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.