How to File a Car Accident Claim A car crash can be stressful. You must know the steps to follow should you wish to file a claim, regardless of whether the accident was your responsibility. One of the first things you should do is contact the police to report the incident. Having a police report will help your insurance company determine the person at fault. 1. Contact the Police It is important to contact the police immediately following a crash. are involved in a car accident. This will allow you to collect important information, including