I have carried it for several yrs, gives me little more security, on the road by myself, especially at my age, anything can happen. It will fly one of my children to me, if I am in a hospital somewhere, seriously ill. Finds out info about Drs, so I have good care etc. Provide a driver to get my r.v. and belongings home. Just makes me feel better and my children too, with me going everywhere that I do. Its not that expensive and well worth the peace of mind it gives me. For what it cost most people flitter it away and have nothing to show for it.
But this is a personal decision each of us have to make. If you are only going to be traveling around your state, and have friends or family all over, you might not need it. I will continue carrying it as long as I can travel in my r.v. Majority of my travels, I do alone, so its very important. But last yr., when Liz and I, were in Alaska, if I had had health issues, with that insurance I would not have messed up her trip too, so as I said peace of mind.
Have a great day,
CArol