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6. You got in an accident because you only cleared a small portion of ice off your windshield and had limited visibility, and police are responding to injury-only crashes due to so many storm-related calls.

windshield with snowExchange information with the other driver or drivers and then file an accident report with police as soon as possible, says III. Some law enforcement agencies require you to complete forms in person, while others let you do it online. Your insurer will ask whether you filed an accident report when filing an accident claim.

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