How to File a Car Accident Claim A car crash can be stressful. You need to be aware of the steps to follow in case you decide 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 will help your insurance company determine who was responsible. 1. Contact the Police If you're involved in a car crash it's crucial to call the police as quickly as possible. This will allow you to collect vital information, like witnesses' statements and insurance d