 So you pay car insurance, and if you really think about a vehicle and vehicle insurance, and then you parallel that to your body, you'll understand why the thinking that your insurance should cover everything doesn't work. Because think about it this way. You buy a really nice car. It doesn't have to be brand new, maybe a couple years old. You love it. You've been seeing it around. You love the way it looks, and you can't wait to wash it. You work hard. You save up. You buy the vehicle.