As motorists found out March 14, 2002, it really wasn't one big wreck. It was four separate multi-vehicle crashes, according to the Georgia State Patrol. This situation is not uncommon.

What's the most helpful thing motorists can do as quickly as possible if injuries are not severe? Call your insurer to report the crash.

What's important for the quickest way to handle your mishap? Have collision coverage as part of your auto insurance since your insurer will likely help you get your vehicle repaired, if possible, or quickly process your claim if it is totaled.

Sometimes, people whose vehicles are many years old drop their collision coverage thinking that the car isn't worth repairing. However, with collision coverage your insurer will work with you and then work with the insurance company of the other vehicle that may have it you.