An insured is involved in an accident with another vehicle at a railroad crossing. What should the insured do?

The appropriate action for the insured in this scenario is to immediately drive the car off of the railroad crossing and then call the police. This choice emphasizes the importance of safety in a potentially dangerous situation, particularly at a railroad crossing. Remaining on the tracks poses a significant risk of a collision with an oncoming train, which could lead to severe injury or fatalities.

By moving the vehicle off the tracks, the insured mitigates this risk, ensuring both their safety and the safety of any passengers involved. Once the vehicle is safely out of the way, contacting law enforcement is crucial to document the accident and ensure proper procedures are followed regarding the incident. This approach also helps facilitate traffic flow and reduces the likelihood of further accidents at the crossing.

Other options suggest either leaving the vehicle on the tracks or waiting for police without taking action to move the car, which overlooks the immediate need to ensure personal safety and public safety in an emergency situation.