Why do I need insurance?

• It would mean that I have a job.
  
• It has been too long since I have last been ill...I am starting to get concerned.
• I want to be able to kayak in the ocean and drive at 90 MPH on cliff sides without being too worried.
• The boss man said that I should get insurance first before I take my "new" blue bike on the road.
• I don't know. Maybe it's because I am becoming an adult, but I think I need security.