Protecting your future

Meet Tami and Christian Roberts

and their three girls… Megan,

Abby and Brooklyn.

They worked hard for several years saving for the down payment.

Tami and Christian

bought this house in Idaho

Falls seven years ago.

Christian works as a Supervisor for the INL and Tami works as a waitress near Snake River Landing.

Christian drives a 2001 Chevy Silverado and Tami drives a 2011 Nissan Maxima.

T A M I A N D C H R I S T I A N C U R R E N T L Y C A R R Y I D A H O ’ S M A N D A T O R Y L I A B I L I T Y L I M I T S O F

2 5 / 5 0 / 2 5 O N E A C H O F T H E I R V E H I C L E S

T H E Y A L S O H A V E C O M P R E H E N S I V E A N D C O L L I S I O N C O V E R A G E

They believe they are well protected

T H E F I R S T T W O S E T S O F N U M B E R S “ 2 5 / 5 0 ” A R E R E F E R R I N G T O T H E C O V E R A G E L I M I T S

A V A I L A B L E W H E N Y O U A R E L I A B L E F O R C A U S I N G S O M E O N E B O D I L Y I N J U R Y .

T H E L A S T S E T O F N U M B E R S “ 2 5 ” R E F E R T O T H E C O V E R A G E L I M I T S A V A I L A B L E W H E N

Y O U A R E L I A B L E F O R C A U S I N G D A M A G E T O S O M E O N E E L S E ’ S P R O P E R T Y .

25/50/25 - BIPDWhat does that mean?

Bodily Injury 25/50 Property Damage 25

In the event of an accident, their auto policy will pay up to $25,000 dollars for each

person injured and will pay a maximum of $50,000 dollars

per accident.

In the event of an accident, their auto policy will pay up to

$25,000 dollars for damage caused to the property of

others.

Here’s how it works

Bodily Injury How will her policy pay?

Lets assume that Tami is on her way to work when she collides

with an SUV carrying five passengers.

Bill’s injuries = $20,000

Edna’s injuries = $28,000

Carrie’s injuries = $18,000

Gene’s injuries = $15,000

Susan’s injuries = $31,000

Tami’s policy will pay $20,000 for Bill’s injuries, $25,000 for

Edna’s injuries and $5,000 for Carrie’s Injuries; a total of

$50,000 dollars as listed in her policy.

Personal Risk

Unfortunately, Tami will be responsible for paying what her policy does not cover; $3,000 dollars for

Edna, $13,000 for Carrie, $15,000 for Gene and $31,000 for Susan. A total of $62,000 dollars.

What about the others?

What about the SUV?

The SUV carrying the five injured

passengers was a total loss; A 2009 Cadillac Escalade worth $50,000.

Tami’s Property Damage limits will

pay $25,000 for the loss, as described in

her policy.

Tami will be responsible for

paying what her policy does not

cover… $25,000 dollars.

Obligation for Bodily Injury

Obligation for Property Damage

The amount of money Tami and Christian

must pay for injuries not covered by their

policy is:

$62,000 dollars

The amount of money Tami and Christian

must pay for Property Damage not covered by

their policy is:

$25,000 dollars

$87,000 Dollars

T H E Y M A Y B E F O R C E D T O C A S H I N T H E I R I N D I V I D U A L R E T I R E M E N T A C C O U N T S .

T H E Y M A Y B E F O R C E D T O W I T H D R A W T H E S A V I N G S P U T A W A Y F O R M E G A N , A B B Y A N D

B R O O K L Y N ' S E D U C A T I O N .

T H E I R P R O P E R T Y M A Y B E S E I Z E D A N D S O L D A T A U C T I O N .

2 5 % O F T H E I R W A G E S M A Y B E G A R N I S H E D E A C H M O N T H U N T I L T H E J U D G M E N T I S

P A I D .

How will they pay these obligations?

THAT’S WHY THEY ARE CALLED ACCIDENTS.

She never thought this could happen to her.

YES!

Is there anything Tami could have done to

protect herself?

Bodily Injury – 500/500 Property Damage - 500

If Tami carried liability limits of 500/500/500 on her policy,

here’s what would have happened in that same

accident:

$20,000 for Bill is paid.

$28,000 for Edna is paid.

$18,000 for Carrie is paid.

$15,000 for Gene is paid.

$31,000 for Susan is paid.

With Property Damage limits of $500,000, Tami’s insurance company will pay the entire

$50,000 of the property damage costs for the 2009

Cadillac Escalade.

500/500/500BIPD

T H E C H I L D R E N ’ S E D U C A T I O N F U N D S A R E P R O T E C T E D

T A M I A N D C H R I S T I A N ’ S R E T I R E M E N T A C C O U N T S A R E P R O T E C T E D

T H E I R P R O P E R T Y A N D R E A L E S T A T E I S P R O T E C T E D

T H E I R F U T U R E E A R N I N G S A R E P R O T E C T E D

The Roberts family is now protected.

Do you have the kind of protection

you need?

Contact Farmers Insurance Agent

Will Davis

208-534-7078

“Let me help you protect the things

that matter most to you.”

Don’t be forced to sacrifice your future. Call 208-534-7078 and let me help protect you and your family.