the inclusion-exclusion principle
The inclusion-exclusion principle fixes the natural mistake people make when finding the chance of 'A or B'. You might guess P(A or B) = P(A) + P(B), but that double-counts the outcomes where A and B happen together — they sit in both sets and so get added twice. The correct formula subtracts the overlap back out once: P(A or B) = P(A) + P(B) - P(A and B). Picture two overlapping circles: adding their areas counts the lens of overlap twice, so you remove one copy of it.
For three events the same fix is applied repeatedly, and a clear pattern emerges: add all the single probabilities, subtract every pairwise overlap, then add back the triple overlap. P(A or B or C) = P(A) + P(B) + P(C) - P(A and B) - P(A and C) - P(B and C) + P(A and B and C). The rule alternates: include the singles, exclude the pairs, include the triples, and so on for more events, each correction undoing the over- or under-counting of the previous step.
When the events are mutually exclusive, all the overlap terms are zero and inclusion-exclusion collapses to plain addition — so the simple additive rule is just the special, no-overlap case of this more general principle. Inclusion-exclusion is the workhorse for 'or' questions and 'at least one' counts where events genuinely overlap; when the overlaps themselves get complicated, the complement rule plus De Morgan often gives a shorter path to the same answer.
Draw one card. P(heart or face card): P(heart) = 13/52, P(face card) = 12/52, and the overlap P(heart and face) = 3/52 (J, Q, K of hearts). So P(heart or face) = 13/52 + 12/52 - 3/52 = 22/52 ≈ 0.423, not the wrong 25/52.
Adding alone double-counts the overlap; subtract P(A and B) once to repair it.
You only get to drop the overlap term when events are disjoint; assuming P(A or B) = P(A) + P(B) for overlapping events overstates the answer.