Dear [Name]:

Unfortunately, daily life subjects us all to the possibility of suffering a serious accident or facing a large lawsuit. You're sensible and responsible, so you carry insurance to help deal with these dangers. We want to share that there's an additional way to handle the danger of loss. It is called risk management.

Your behavior can have a large influence on whether you suffer a loss. You may have heard the information before, but it's true that being careful and alert can greatly reduce the chances of suffering an auto or home loss or the likelihood of being sued.

Here's some simple advice from the [agency name]:

Automobiles

Reduce your chance of automobile loss by:

• Maintaining your vehicle in good operating condition, especially your brakes
• Practicing defensive driving skills by avoiding risky drivers and maintaining proper distance from other vehicles
• Avoiding distractions such as eating, drinking or having cell phone conversations while driving
• Not driving angry
• Obeying traffic laws
• Modifying your driving habits when faced with poorer driving conditions such as darkness, fog, rain, snow or ice

If you have questions, we're only a phone call away.

Sincerely,