Explain why we need insurance companies

Answer/Explanation:

Insurance is key to you being able to focus on the important things in life because it will ensure financial security for you and your family should anything unfortunate happen.  Both businesses and individuals buy insurance to protect themselves against the uncertainties that cause financial as well as a personal loss. Insurance is a mechanism for protecting people against losses, damage, injuries, and costs associated with unforeseen events.

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answer; /// i believe its the cochlea;