How to File a Car Accident Claim In the event of a car crash, it can be a stressful experience. It doesn't matter if the accident was your fault or not, there are some important actions to take if want to file an insurance claim. First, contact the police to inform them of the incident. A police report will aid your insurance company in determining who was at fault. 1. Contact the Police If you're involved in a car crash it's crucial to call the police as quickly as you can. This will help you collect crucial information, including witnesses'