The problem, however, is that each of the above coverages requires you to depend on, and deal with, insurance companies. The more clearly you understand the exact nature of your relationship with your insurers, and that they are not necessarily your friends, the better off you will be. If you appear to fit into the category of one whom they see as potentially costing them money, i.e. if you are ill or disabled, look out. That's when things can start to get really nasty. Your needs are only one part of the picture.
Insurance amounts to nothing more and nothing less.
Paranoia is not necessary, but it can be very dangerous to get lazy and to rely on insurance companies to keep you informed as to what your rights under your policy might be, and how and when to exercise them. The insurance company has its job to do, and you have yours. Realize that in order for the system to work properly, you must be the advocate for yourself. Don't count on anyone else being there to do it for you. Let's start with the basics.