Often we say that why a car we insure. If the car is never / rarely damaged or lost.

The statement above is 100% correct. Why we waste money to pay the expensive insure if the car we never / rarely damaged or lost. Humans can not predict what will happen in the future. If people can know the risk that he will face, the man would take precautions to avoid risk.

In fact our goal to buy a car insurance policy is to overcome the risk that unexpected. To insure the car we have automatically transfer or reduce the risk that unexpected is.