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Insurance Basics

Just about anything can be insured -- it really just comes down to how much something is worth and the odds that it will become lost or damaged. And regardless of which type of insurance you pay into, those who don't suffer losses generally foot the bill for those who do. For example, the health insurance market would fundamentally collapse if not enough healthy people were paying into it, since there would be a lack of funds to cover the claims of the sick and injured. Insurance markets also are subject to quite a bit of regulation at both the state and federal levels. FindLaw's Insurance Basics section provides a solid overview of how insurance generally operates and the various kinds of insurance products available, including automobile insurance, life insurance, and even pet insurance.

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