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all right this is melissa the insurance exam queen and we have a three hour property and casualty class so lets go ahead and get started all right so lets just talk about insurance for a minute so what is what is what is insurance and why why do we get it so in life we have these risks you have the risk of crashing your car you have the risk of your house burning down you have the risk of getting sick you have the risk of of dying and leaving your family with no money we have a lot of risks in life and theres many ways that we can handle you know our risk you can um in fact you are a star at handling risk you can share the risk with someone else like if you get married the two of you are now sharing the risk of paying the bills of having a house of raising children you can avoid the risk you could say you know what im not even going to buy a car so i dont crash it im not going to leave the house so i dont get sick im not going to get on an airplane so that it wont crash you um
