How to File a Car Accident Claim Getting in a car accident can be stressful. You must know the steps to follow if you want to file a claim regardless of whether the accident was your fault. One of the first things you must do is call the police to report the accident. A police report will assist your insurance company in determining who was at-fault. 1. Contact the Police If you're involved in a car accident, it's important to call the police as quickly as you can. This will allow you to gather important information such as witnesses' stateme