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How to File a Car Accident Claim A car crash can be stressful. It doesn't matter if the accident was your fault or not, there are some important actions to take if would like to file an insurance claim. One of the first things you need to do is call the police to report the incident. A police report can help your insurance company determine who was responsible. 1. Contact the Police If you're involved in a car crash it is crucial to contact the police as soon as possible. This will allow you to gather important information such as witnesses'