Disposable cameras and writing utensils are crucial items to have if you have an accident.  If you are in an accident with another person, do not discuss who is at fault.  That is up to the police and your insurance agencies.  Instead, simply exchange all contact and insurance information and agree to be in touch at a later date, after you both talk with the police.  Make sure you see the other driver's license and proof of insurance to prevent them from providing you with false information. Call your insurance agent as soon as possible.

To make any emergency situation better try to prepare an accident kit. That includes your insurance information, registration, a preferred towing company, personal emergency numbers (family contacts), and your insurance agents number (303)666-8858.