This Accident Fact Kit has been kindly donated by autoachiva.
Print the Accident Kit form and familiarize yourself with the content of the form and place it in your glove compartment with a pen (to fill out the forms), pencil (to draw the place of accident), chalk (to mark the vehicles position if serious injury or death) and a disposable camera (to take pictures of both vehicles and the scene). If your cell phone has a camera, you can ignore the disposable camera.
Insurance that decreases in amount periodically (usually yearly). It may either expire completely after a term of years or remain level thereafter at a reduced amount. The decreases in amount follow the principal-reduction pattern of a monthly reducing mortgage loan, and the insurance is primarily intended to pay off the unpaid balance of such a loan in the event of the death of the insured.