How to File a Car Accident Claim A car accident can be stressful. You should be aware of the steps to take if you want to file a claim regardless of whether or not it was your responsibility. First, you must contact the police to file a police report. A police report will help your insurer determine who was responsible. 1. Contact the Police It is crucial to call the police as soon as you are involved in a vehicle crash. This will allow you to collect important information, such as witnesses' statements and insurance details, which could be u