All disasters, big or small, have an impact financially.  If your car gets totaled because of a not-at-fault accident, you will not get what you think you should to replace it.  Going from a car that is almost paid off to another loan of $20,000 is a big impact.  The same amount might still come out of your pay check, but that is another five years of loans you were not expecting.  Having a sensor go out in a paid off vehicle is not as big of an impact, but a financial impact, none-the-less.  Even small disasters that have little financial impact have an impact on stress, health, and beer intake.  Pile a bunch of these on at once, and you get nickled and dimed to greater impacts.