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 actions to take if would like to file a 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 is at fault. 1. Contact the Police It is important to contact the police immediately after you have been involved in a car accident. This will help you gather crucial information, including witnesses' statements and insurance detail