Mr Speedy: How much is the car insurance premium for my Mazda 6?
Insurance Agent: $1,000 for this year.
Mr Speedy: Very good! This year's premium is cheaper than last year by $150.
Insurance Agent: Yes, because your No Claim Discount (NCD) has increased to 50%.
Mr Speedy: Ok! I will pay the full amount by credit card.
Insurance Agent: Thanks, Mr Speedy! By the way, do you have personal accident insurance coverage of $1,000,000 for yourself?
Mr Speedy: No!! Why should I have so much coverage? $1,000 annual premium some more? So expensive!!
Insurance Agent: But aren't you worth much more than your car?
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