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Mathematically speaking, insurance is never worth it. If it were, insurance companies wouldn't make any money. This is why you should only insure things you cannot afford to lose, which for most people means house and car.

Wow, reminds me of my first major panic attack. I started panicking so much that I couldn't control my hands -- my body was so full of adrenaline that my hands started to contort (kinda like you see those people who have neurological problems). I called 911 in a panic and from the floor asked...