Many people are so confident that they are never going to have an accident that they do not bother to think about accident insurance. I believe that having an accident plan is a way to avoid many unnecessary expenses should an accident occur. Nobody wants to be in an accident. Nobody wants to have expenses related to accidents. Sometimes expenses related to accidents are small, while sometimes they can be big. In any case, having an accident plan can help a lot. One can never be totally confident that he will never be in an accident since so many unpredictable things can happen every day. It is better to be safe than sorry.