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Accidents happen. So do burglaries, flood damage and falling air conditioners. Good thing State Farm offers all sorts of insurance policies for home renters and car owners, all of which are illustrated in Flash-animated fashion at the "Now What?" website created by Tribal DDB/Chicago. Visitors can witness a series of natural and manmade calamities while standing inside a virtual apartment or next to a parked car, then access helpful tips and interactive tools designed to help you protect your actual property from similar fates.