If you drive a car, chances are you will be involved in some kind of accident in your driving career. None of us plans on being in an accident, but the odds are in favor of you having an accident the longer you drive. Even if you are an exceptional driver, you can sometimes get hit by other less competent drivers. So given this eventuality, it is important to prepare for an accident by having a checklist handy and following a few simple rules.

It’s important to understand the terms that are used within a car insurance policy so that you know exactly what to expect if you need to place a claim. Many of the most commonly used terms are explained here.