Everybody needs insurance. There are many different kinds of insurance. There is health insurance for people, car insurance for cars, 5th wheel insurance for RV’s and more. I do not have an RV so I do not need that kind of insurance. I just received our insurance bill for my car today and it is due the first week of the month. I have to make sure to pay it before the due date because I am always worried I might forget to pay it. I am forgetful sometimes but I never forget to pay my insurance.