Isn't insurance a vote of no confidence in God's protection?
It's a little more complicated than that. We take precautions all the time, from fire extinguishers to armies to fertilizing the vegetable patch. Where insurance gets a bad rap is two reasons (I can think of): the life insurance furor of the '50s, which was accompanied by all sorts of unsavoriness; and the way insurance companies' real job is the money market, and how they manage to stay obscenely rich. Personally, I find the element of gambling, and the element of I-have-a-rich-person's-right-to-be-problem-free troubling. I also doubt insurance is anywhere near as good a deal as its promoters present it to be. But, at any rate, an insurance premium is only money, and, as Agabus notes, it's the law (which raises a whole other subject).