Make sure you remember all the details of the accident. When they ask you what happened, always add 10 mph to the speed of the other driver, and subtract 10 mph off your speed. This usually improves your chances of lotsa money. With any luck, you made enough to pay off the initial investments of the car and insurance, and plenty of extra to buy yourself very nice things like waffle irons and the sort. During my adventures I come across many situations where you think the previous guide may help, but doesn't.
Ice is no good, it totally destroys all the rules of time, space, and physics.
Kids, don't try this at home. Believe me at your own risk.