How to File a Car Accident Claim A car accident can be a stressful experience. You need to be aware of the steps to follow if you want to file a claim regardless of whether or not it was your responsibility. The first step is to contact the police to file a police report. A police report can aid your insurance company in determining who is at fault. 1. Contact the Police If you're involved in a car crash It is essential to contact the police as soon as possible. This will help you collect vital information, like witnesses' statements as well