Here are some of the risks a driver may face

You cause an accident

Risk:

You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.

Coverage:

Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause.

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You accidentally damage your own car

Risk:

You're on your way to a ski weekend when you lose traction on an icy road - the impact when you slide into a guardrail damages your SUV's front fender.

Coverage:

Collision coverage can help repair your vehicle if it's damaged - or compensate you for its value if it's a total loss.

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A hailstorm dents your car

Risk:

A sudden hailstorm cracks your car's windshield and leaves dozens of dents on the hood, roof and trunk of your vehicle.

Coverage:

Comprehensive coverage can help when your car is damaged by something other than a collision.

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An uninsured driver hits you

Risk:

You suffer minor injuries when another driver runs a red light and clips your car's rear fender. On top of it all, the driver doesn't have auto insurance.

Coverage:

Uninsured motorist coverage covers the costs of your bodily injuries - up to your policy limit - when they are caused by an at-fault driver without any auto insurance. Underinsured motorist coverage picks up the costs of your injuries when an at-fault driver has some insurance, but not enough to cover all of your damages.

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Your son is injured in a single-car wreck

Risk:

Your son and a passenger are both injured when his subcompact hits a tree.

Coverage:

Medical payments coverage can help with medical expenses if they're caused by a covered accident - regardless of fault.

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You can't work during physical therapy

Risk:

You miss several days of work while receiving physical therapy for injuries sustained in a car accident.

Coverage:

Personal Injury Protection (PIP), where available, can help with medical and rehabilitation expenses, as well as lost wages.

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Other insurance options to consider

Find out if you can get more value and convenience from Farmers when you purchase multiple policies. Be sure to ask your Farmers® agent for a quote that includes insurance coverage for risks like these - you might even qualify for multiline discounts.
There's a fire in your kitchen

Risk:

You stop a small kitchen fire before it spreads to the rest of the house - but there's damage in your kitchen and a side room.

Coverage:
Homeowners insurance provides coverage for damage to your home caused by a fire.

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Your auto limit isn't high enough

Risk:

You cause an auto accident, and your auto policy's liability limits aren't high enough to cover the damages suffered by the injured parties.

Coverage:

A Farmers personal umbrella policy provides an additional layer of liability limits to protect your assets when a covered loss exceeds the liability limits of your underlying home or auto policy.

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Your retail store is hit by a storm

Risk:

Your retail store is battered by a major storm - so severely that it will need a new roof.

Coverage:

Business property insurance can help provide coverage when a covered loss damages structures you own.

Switch and Save
You could save an average of $441 by switching your Auto insurance to Farmers - Get a quote or talk to an agent to find out how much you could save.*