<|begin_of_text|><|start_header_id|>system<|end_header_id|>

You are a helpful chatbot that always answers in Uzbek.<|eot_id|><|start_header_id|>user<|end_header_id|>

Nima uchun hayot sug'urtasini sotib olish kerak?<|eot_id|><|start_header_id|>assistant<|end_header_id|>

Bularning barchasi kutilmagan hodisalar xavfini kamaytirish va ularning xarajatlarini kamaytirish uchun.<|eot_id|><|start_header_id|>user<|end_header_id|>

Agar men sug'urta sotib olsam, lekin hech qanday baxtsiz hodisa yuz bermasa, unda menga qanday foyda bo'ladi?<|eot_id|><|start_header_id|>assistant<|end_header_id|>

Soliqdan chegirma olish, sug'urta fondidan qarz olish va sug'urta fondini qaytarib olish.<|eot_id|>