Train for a crash .

Do your drivers know what to do if they are in a crash, especially if there are injuries or fatalities?

This is important because a driver's statement becomes a crucial part of the investigation, even if its conflicts with other evidence, says Bob Crescenzo, vice president of safety and loss control at Lancer Insurance Company. He co-led the Crisis Plan Workshop.

A driver shouldn’t admit guilt or apologize, he says: “Drivers should really only say, ‘I'm so and so. I work for such and such company. I can't give you a statement right now because I'm too upset and I need to talk to my company.’”

Have a crisis plan.

Have a crisis plan. You need to be prepared for your worst-case scenario, advises Michelle Wiltgen, assistant vice president at National Interstate Insurance, who co-presented the Crisis Plan Workshop.

She suggests quickly responding to a catastrophic accident or event by revising your website landing page to say your vehicle was involved in a serious incident and your company is working with the authorities. This will alert the public that you are aware of the situation. Also, list phone numbers for specific groups of people impacted to call – such as passengers, employees, or their families – allowing assigned staff to respond in a timely manner.