Carry a camera with you everywhere, a camera better than the one crammed into your phone, you never know when photogenic opportunities will pop up and you'll want to be prepared with quality gear. The bulk and weight of a camera and lens is what seems to be the most common reason for photographers leaving gear at home, the best way around this is to make the lightest set up for yourself you can, think about bringing just one prime lens like a 35mm or a 50mm, you can photograph almost anything with either of these light and fast lenses.
I was only able to capture these photos below because I brought my camera with me, I had no specific plans to shoot that day. Ironically, I saw this accident happen on my way home from a photojournalism class, I was able to turn the photos in for the spot news homework at the next meeting.
After my class I was waiting for the bus in San Francisco's Mission District, I heard loud screeching tires coming in my general direction, I turned around in time to see the driver swerve a couple of times and cross over the busy sidewalk, brushing the buildings entrance with the passengers side of the car, causing sparks. The car began to spin out and nearly instantly went from about 50 mph to zero after it slammed into a light pole. Within a few seconds two hooded people jumped out of the car and bolted down the side street. I had to stay behind and do the whole witness statement thing with the police. I used to shoot for a small monthly paper in San Francisco called The Western Edition, so I was able to flash my press pass to the cops and convince them to let me get behind the police tape and grab some photos.