Honestly, preparing for an accident itself is pretty much the standard stuff. Wear your seat belt, don’t have a bunch of unsecured projectiles laying around in the car, and have at least a basic medical kit in the car. Only some of that really applied to your accident, since there were no first-aid-able injuries.

What seems to be just as important is preparing for the aftermath of the accident. Keep your medical insurance up to snuff, keep your automobile insurance up to snuff, and (as Doug relates in his articles) keep phone numbers for attorneys that will happily send the insurance companies a barrage of certified letters to ensure they stay up to snuff. You might want to examine your disability insurance, as well, since you never know when an accident like this will prevent you from working and providing for your family. Geez… Martin is right… one of the biggest preparations we can make is fiscal preparation.