Now, I assume that the other players are average and you convinced yourself from past plays that they are not counters. They are the average �Joe the family man� having fun in Vegas on Labor Day and ready for family and friends barbeque.
When you have a close call for Insurance like let�s say the TC is a little over +2 but probably not yet at +3 and you are playing in a face down game (single or double decks) where you cannot see the other players cards. If any of the other players are taking insurance is probably not indicated for you to take it. However, if nobody is taking insurance, probably is the correct time to take insurance for yourself.
Most of the players will take �even money� on their BJs and most of the time will insure a TT vs. A The majority believe that the insurance in BJ is like �car insurance�. They want to protect a potentially winning hand. So, if they insure most of the time they will do it when they have big cards in their hands. In this instance the count will drop and obviously you will not insure. On the other hand if they do not insure, probably they do not hold a big hand and most of the time the count will require an insurance.
Didn�t you notice that when you buy Insurance and nobody lese is doing it and the dealer flips his BJ most of the time the other players have garbage hands and most of the time not many Ts in their hands? Probably some small pairs or soft hands.
Puiu
