Is Insurance The Answer?

I’ve recently seen an advert on insurance, which the leading insurance companies in the country sponsored. In my own opinion I think insurance even in the so called developed world is always full of legitimate duping of innocent clients. You will always be paying your premium but when it comes to payment that’s when you’ll start hearing about your premium does not cover this or that. If you used to  or have read James Hadley Chase novels you can see some of the crimes are committed due to insurance. Even on Real TV you see actual crimes committed due to insurance. Do you support all this insurance stuff?