How to File a Car Accident Claim A car accident can be stressful. If it was your fault or not, there are some important steps to follow if you are planning to file a claim. First, call the police to file a police report. A police report will help your insurance company determine who was responsible. 1. Contact the Police If you're involved in a car crash it is crucial to contact the police as soon as possible. This will let you gather crucial information, like witness statements as well as insurance information that can be used in court. Ofte