Two events are independent if the occurrence of one does not change the probability of the other occurring. An example would be rolling a 2 on a die and flipping a head on a coin. Rolling the 2 does not affect the probability of flipping the head. If events are independent, then the probability of them both occurring is the product of the probabilities of each occurring.
Certain things can be determined from the joint probability distribution. Mutually exclusive events will have a probability of zero. All inclusive events will have a zero opposite the intersection. All inclusive means that there is nothing outside of those two events: P(A or B) = 1.
In events which aren't mutually exclusive, there is some overlap. When P(A) and P(B) are added, the probability of the intersection (and) is added twice. To compensate for that double addition, the intersection needs to be subtracted.