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.
This describes a smoothed bonus/guaranteed portfolio that allocates the entire bonus every year. Once bonuses are allocated, they can contractually never be taken back, even in a significant market downturn.