2) Make sure you and your passengers are OK. Move as far off the roadway as possible but stay at the scene of the accident. Warn oncoming traffic by activating your hazard warning lights and/or setting flares if you have them.

3) Call the police. Call 911 or the appropriate emergency number to report the accident.

4) Contact your insurance company and report the claim. The sooner your insurance company knows about the accident, the sooner it can start working to resolve your claim. With 24/7 claims service, reporting a claim to Progressive is easy-just call 1-800-PROGRESSIVE or report it online at www.progressive.com.

5) Do not admit fault. To protect yourself legally, do not discuss the car accident with anyone other than the police and your insurance company.

6) Exchange vital information with the other driver involved in the car accident. Write down the name, address, phone number and license numbers of all drivers and witnesses, particularly those who were not riding in a vehicle involved in the accident. Ask for the name of the insurer and policy number of all drivers involved in the car accident.

Before you get into an accident, make sure you have the right car insurance. Because the last thing you want to do when you're in a car accident is worry about having to pay for the damage. Go to www.progressive.com to shop around and compare rates.