How to File a Car Accident Claim A car accident can be stressful. No matter if it was your fault or not, there are important steps to follow if would like to file an insurance claim. One of the first things you should do is contact the police to report the accident. A police report will help your insurer determine who was responsible. 1. Contact the Police If you're involved in a car accident, it's important to call the police as soon as you can. This will assist you in obtaining vital information, like witnesses' statements and insurance inf