You’re traveling for business, your eyes veer from the road for just a moment, and all of a sudden “bam.” You’ve crashed into the vehicle ahead of you, and your vehicle is damaged. The person driving the other vehicle may also be injured.

A million questions are running through your mind:

• Will your business’s insurance cover the damage?
• Will your insurance cover the damages?

The first and most important thing a person can do is call the police to have a sworn statement made, so the insurance company has a detailed statement of the events leading to the accident. If possible, you should also take photos of the accident scene as well as the damage your vehicle sustained.…