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If you like to shake trees to get bells, then yes, it is worth it. You may need to buy some other insurance, before you buy the accident insurance (wich I find to be the most useful.).

If you go around shaking trees, you will come across a beehive at one point or another if you dont run into a house or building quickly enough, theyll sting you, dont bother buying medicine once they do, because your face goes normal the next time you play, the next day Lyle will send you 200 bells, so the insurance will pay for itself if you shake the trees.

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15y ago

What else can I help you with?