If you don't have one GET ONE . Wish we would have gotten one like we talked about before we did our cross country road trip. I wouldn't be in the situation we're in. Traveling on I75 in Georgia ...
I've learned from experience that whenever I have a "road incident", I drive to the nearest police station and fill out a report with as much detail as possible.
Now there is a record of it and has to be followed up. My Ins. Co advised me to do this as in most accidents/incidents, the facts tend to change with time.