Even if you are the best driver in the world, it's possible to be at fault in an accident. Perhaps you were daydreaming when you ran a red light. Maybe your cell phone distracted you just as the car in front of you braked, causing you to rear-end them.
Accidents happen, and that's why Farmers provides Property Damage coverage for collisions in which you are at fault. It covers your liability for damaging another person's personal property. It is not solely reserved for automobile accidents but also can cover to damages to property such as homes and fences.
Contact me for more information on coverage options and find out if Property Damage coverage is a good idea for you to have.