Is there any type of insurance you think you need and do not have now? Any type that you have but need to change? Specifics, please. If you have car insurance, do you know how it works if you have an accident?

Is there any type of insurance you think you need and do not have now? Any type that you have but need to change? Specifics, please. If you have car insurance, do you know how it works if you have an accident?