STOP immediately, but do not obstruct traffic.

ASSIST injured. Have someone call police. Repeat after 5 minutes.

SECURE names, phone numbers, addresses of other drivers, witnesses, injured persons.

SECURE make, model, license number of all cars involved.

MAKE rough drawing of scene, showing position of cars and other details.

DON'T hastily accept claim settlement at scene of accident.

REMAIN calm, courteous, and consistent in your version of the accident.

NOTIFY your insurance agent as soon as possible.