How to File a Car Accident Claim A car accident can be stressful. You need to be aware of the steps to take should you wish to file a claim regardless of whether the accident was your responsibility. First, contact the police to make a report of the incident. A police report can aid your insurance company in determining who was at fault. 1. Contact the Police If you're involved in a car crash it's crucial to call the police as quickly as you can. This will let you collect important information, including witness statements and insurance infor