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 take if you are planning to make an insurance claim. First, contact the police to file a police report. Having a police report will help your insurance company identify the person at fault. 1. Contact the Police If you're involved in a car accident, it's important to call the police as soon as possible. This will help you collect vital information, including witnesses' statements and insurance information, which may