What if I don’t ever look over my insurance policy report?

Is there something that might happen to me if I never look over my insurance policy report from time to time? I mean, who has the time to read over pages and pages of boring legal terminology? What is the point, anyways? I sign up for this kind of insurance, or that kind of insurance and then I’m covered, right? What is the point of going through all of the heartache and headache and trying to deduce the precise areas and lines of that policy? That’s what I pay my lawyer for. If anything happens and I need that insurance, I’ll just let him deal with it.