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How to File a Car Accident Claim Being involved in a car accident is a stressful event. You need to be aware of the steps to take should you wish to file a claim, regardless of whether it was your fault. First, you must contact the police to make a report of 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 accident it is crucial to contact the police as quickly as you can. This will let you gather important information including witness statements and insurance