It all depends on how rich the people really are, and how often they partake in certain activities. For instance, consider a certain person with a lot of money rarely drives. Even his groceries are delivered to him, and he perhaps does not even need to pay much extra expenses to the people who deliver certain things to him. Obviously this likely takes auto-insurance out of the picture, unless he owns many vehicles, or certain ones that he drives rarely and cares enough about for the insurance on them. He would likely predict that the overall chances of getting in an accident are low, so he may assume ahead of time that he would choose to make a one-time payment to cover for one of those if they would occur.
See how the very mindset of a person who makes a lot of money could be SO different from someone let us say, who is more average with a regular job? Even something as having their accident costs handled could be seen from an entire different kind of perspective.
Considering a typical rich person may be in extraordinary healthy condition, he may be in a situation which does not involve much illness. In this situation, during the more rare instances where he would get sick, he would have no problem making the one-time payment considering how rich he is.
While of course the fictional character from nightmares Freddy Krueger will not actually be chasing you on your wedding day, your big day could well turn into a nightmare and for many reasons. Most weddings go off without a hitch; however there are some that are destined to remain with you for some time for all the wrong reasons. Here are just some of the many scenarios, where if you had given some thought to wedding insurance, you might have avoided nightmares.