After I started thinking more seriously about our family finances, I could tell that we were in a little bit of trouble. I wanted to protect ourselves against perils, but I knew that it wasn't going to be a hundred percent effective. I began thinking more and more about what to do, and I decided to meet with a specialist to talk about my options. It was really interesting to hear how much coverage I was lacking, and I began thinking about different ways to make some positive changes. I invested in some additional insurance, and I was glad I did a few months later when I was involved in an accident.