Context: But do n't be penny wise and pound foolish like my Dad ! You know , my Dad insured his house - nothing has happened to it , but he still has the insurance ( statistics show that your chances of a house fire is 5 in 1,000 ) . He paid for car insurance - never had to use it , ( statistics show that your chances of your car being stolen is 10 in 1,000 ) but he is still paying for it .
Question: Why would the man be paying for something he has n't had to use ?
Option 0: He 's wasteful with money .
Option 1: That 's how insurance works .
Option 2: That 's how a car payment works .
Option 3: He 's forgetful .
Answer: 1