Should ordinary people buy accident insurance? Whenever someone asks me this question, I will ask in return, do you have car insurance for your beloved car? The implication is that people are willing to buy insurance for their cars, so why do they still struggle to buy accident insurance for themselves? Is the car more valuable than the person? In life, no one can guarantee that accidents will not happen. Once an accident occurs, accident insurance can reduce the economic damage caused by the accident and relieve the family's economic pressure.