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May—Memorial Day in particular—kicks off the spring/summer season with the highest number of traffic accidents. But if you have one, do you know what information you need to collect from the other driver? A free mobile app from the National Association of Insurance Commissioners, WreckCheck, provides a checklist. It's available in iOS 5.0 or later, and Android 2.2 or later. You can also print out a checklist at naic.org.
Among the tips: Don't take photos at the scene if it will put you or others at risk or injury or further damage. But if you can take photos, include:
Though state laws vary, you're usually required to provide only your name and car insurance information to the other driver. Sharing your address or driver's license number could put you at risk for identity theft.
Consumer Reports offers advice on getting the best car insurance deal.
A version of this article appeared in the May 2015 issue of Consumer Reports Money Adviser.
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