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<p>[QUOTE=&quot;Dave M, post: 3403281, member: 17469&quot;]There&#039;s a concept called &quot;being self insured&quot;, commonly used in business and personal life. It basically means &quot;can you afford to pay the value of the loss, and does it make more financial sense to pay it yourself than insure against it (i.e. cost of insurance overwhelms the likelihood of the loss)&quot;. Making a decision to self-insure should not be done casually, but if the equation makes sense, then do it. Of course step 1 is having the $1000 set aside, just in case.[/QUOTE]</p><p><br /></p>

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