If life insurance sounds like something you should have but can’t afford, you might be surprised. Term life insurance quotes for a hefty amount of coverage for young, healthy buyers is a few dollars a week — about the cost of a cappuccino. Yet most people — especially young adults — overestimate the price. Wild guesses Eight in 10 adults overestimate the cost of a 20-year, $250,000 term life insurance policy for a healthy, non-smoking 30-year-old. That’s according to the 2015

1. Safety First The first step is to secure the scene. If the vehicles are drivable, move them to the shoulder or as far away from traffic as possible and turn on your hazards to warn other drivers. Assess the situation and check to see if anyone has been injured. If so, dial 9-1-1 immediately to get medical help. It’s worth investing in road flares and orange warning cones or reflective triangles to further warn other drivers. Crack the flares and place them in front of and