Question

what is one cost of avoiding insurance?
○ falling into debt if faced with a serious problem
○ not benefitting from insurance deductibles
○ not being able to purchase a car or home
○ facing increased probability of accidents

Explanation:

Insurance is designed to cover large, unexpected costs. Without it, a major crisis (like a medical emergency or home disaster) requires paying full costs out-of-pocket, which often leads to debt. The other options are incorrect: deductibles are a cost of having insurance, not avoiding it; lack of insurance doesn't prevent buying a car/home; and avoiding insurance doesn't make accidents more likely.

Answer:

falling into debt if faced with a serious problem