How to File a Car Accident Claim A car accident can be a stressful experience. You need to be aware of the steps to take should you wish to file a claim regardless of whether or not it was your fault or not. One of the first things you need to do is call the police to report the incident. A police report will help your insurance company determine who was at fault. 1. Contact the Police If you're involved in a car accident, it's important to call the police as soon as possible. This will enable you to gather important information including wit