How to File a Car Accident Claim A car crash can be stressful. You should be aware of the steps to take if you want to file a claim regardless of whether or not it was your fault. First, you must contact the police to make a report of the incident. A police report will help your insurance company determine who is at fault. 1. Contact the Police It is essential to notify the police right away after you are involved in a accident. will allow you to collect crucial information, including witnesses' statements as well as insurance details, which