1) You answered the cell phone while driving. You increase your chances of an accident by over 50% by using the cell phone while driving.
2) What are you doing on a long stretch of road when the weather is freezing without a coat? I don't even go out on a long stretch in the summer without a coat or jacket. Wind chill at 50 degrees can get you in trouble.
3) You are completely unprepared for even a flat tire much less an accident. GET PREPARED
4) You got yourself into a mess--better start thinking.