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How to File a Car Accident Claim Being involved in a car accident can be a stressful time. No matter if it was your fault or not, there are some important steps to take if you are planning to file an insurance claim. First, contact the police to make a report of the incident. A police report can aid your insurance company in determining who was responsible. 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 allow you to collect vital information, including witnesses'