NEVER "Make a Deal" for damages.
NEVER leave the scene of even a MINOR accident.
NEVER accept an offer of cash, check or "private" settlement.
NEVER disavow injury to you or your passengers.
NEVER offer to pay ANYTHING even if you think you are at fault.
NEVER administer first aid unless you are LICENSED to do so.

ALWAYS (when conditions permit) move to shoulder or other "SAFE AREA" to prevent further damage.
ALWAYS ask someone to summon police and seek medical assistance. Repeat at 5-minute intervals.
ALWAYS remember the 3 C's: Remain CALM, COURTEOUS, and CONSISTENT in your version of the accident.
ALWAYS obtain complete information from those involved.
ALWAYS obtain the names of witnesses including addresses and phone numbers.
ALWAYS notify the owner of the car you are driving as soon as possible.

We hope that an accident never happens to you, but if it does notify your insurance agent as soon as possible.