But do n't be penny wise and pound foolish like my Dad ! You know , my Dad insured his house - nothing has happened to it , but he still has the insurance ( statistics show that your chances of a house fire is 5 in 1,000 ) . He paid for car insurance - never had to use it , ( statistics show that your chances of your car being stolen is 10 in 1,000 ) but he is still paying for it .
According to the above context, choose the best option to answer the following question.
Question: Why would the man be paying for something he has n't had to use ?
Options:
A. He 's wasteful with money .
B. That 's how insurance works .
C. That 's how a car payment works .
D. He 's forgetful .


B