You think the chances of getting into a car accident and having to postpone your career for two years due to injury, or being sued by your neighbor because their child got hurt while playing in your backyard are very unlikely. But if so, you might want to think again. According to a new study from Chubb, Americans who find themselves suffering from the financial implications of these events are much more common than expected — and the majority of Americans are not adequately protected. Here are the risks of not having P&C insurance along with some tips on getting the best policy for you. I need insurance experts to weigh in on the importance of P&C insurance, and the risks of not having it. Also, what are the best strategies in getting P&C insurance? What does it cost? Can it be bundled with other insurance?