by Robyn McCarthy on May 16, 2014

Driving down an unlit highway at night, you tie blows and you swerve into a ditch. Who you gonna call? You can try ghostbusters, but Bill Murray is probably too busy being famous to drive you to the hospital. Its far more useful to have a few reliable contacts programmed into your phone. Here are three that you should keep hand in case of car trouble or a serious emergency.

1. ICE NUMBERS ICE ( In Case of Emergency) numbers are your emergency contacts. If you need help, or paramedics find your phone during an emergency, an ICE number will immediately call a trusted friend or family member. Program two or three ICE numbers (labeled ICE1, ICE2 etc) into your phone in case your first emergency contact is unavailable.

2. ROADSIDE ASSISTANCE There are several places to get roadside assistance, including motor clubs, credit card companies, cell phone carriers, vehicle manufacturers and of course, car insurance providers. Whoever you trust to change your flat tire, make sure the number is saved on your phone. 3. INSURANCE AGENT OR PROVIDER After an accident, you'll want to contact your insurance company immediately. Program your agents direct line or your carriers 1-800 claims number into your phone. Your carrier will be able to help you start the claim process.

PRO TIP: recommends putting an ICE number on your smartphones lock screen wallpaper. If your hurt or unconscious, paramedics or anyone else who finds you will be able to get in touch with your emergency contact without unlocking your phone.

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