Whenever you encounter an accident, if you have a health insurance then they will take care of your hospital bills. That is the general purpose of insurance. Mainly, insurances are a type of risk management principally comes into use to avoid against the dangers/risk of a client.
Whenever someone commits a crime and is required to appeal in court, they are needed to locate a lawyer or if cannot afford then assigned a lawyer. Not only in crime cases but almost all cases that need to be appealed in court is required a lawyer.