How to File a Car Accident Claim In the event of a car crash, it is a stressful event. It doesn't matter if the accident was your fault or not, there are some important actions to take if wish to file a claim. One of the first things you must do is contact the police to report the incident. A police report will help your insurer determine who was at fault. 1. Contact the Police If you're involved in a car crash, it's important to call the police as soon as you can. This will assist you in obtaining vital information, like witnesses' statement