【明報專訊】As Pamela drove through the suburban streets, Emmanuel grew more and more nervous. At the same time, a question he once contemplated popped back into his mind: why would anyone in the world consider, or need, the most extensive and expensive vehicle insurance coverage plans? When Emmanuel first purchased his own car, he chose the cheapest, most basic plan. In fact, he probably wouldn't have approached any insurance agencies if it weren't required by law. Accidents don't occur that often, do they? As long as you're careful enough...