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The Need for Life InsuranceI’d love to live in a world where there’s no risk of being sued. A world where everyone gets along and there are no money hungry people looking to drain you of your resources at any moment. Unfortunately, experience paints a different picture. Some people have made millions slipping in grocery store parking lots or capitalizing on a minor car accident. The justice system here in America is one of the best in the world but when someone can take away your home, your car, and all your savings, there’s something drastically wrong.

The risk is certainly out there. All a person has to do is slip on your sidewalk and you can find yourself facing a hefty lawsuit. It’s the way the world works and, while it’s not perfect, there’s little we can do to change it. What we can do, though, is protect ourselves as much as possible. That means getting insurance, keeping in touch with a good lawyer, and doing everything you can to limit your liability when driving your car or sitting in your home.

When you go out, drive carefully. If you’re having any trouble with your vision, don’t drive until you see an optometrist. Maintain your home so that the chances of someone being injured while on your property are at a minimum. The point I’m trying to make: don’t invite trouble. Even when you’re careful, lawsuits can still pop up at a moment’s notice. What can you do about it? Get liability insurance. Now, you’re probably thinking, “Why should I pay an arm and a leg for insurance to protect me from something that may never happen?”

Getting insurance is like putting a lock on your door. Depending on where you live, there may be very little chance that someone will break in. Still, the risk is too great to NOT do anything to protect yourself. Rather than putting your nest egg on the line, it’s just a good idea to get insurance.