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How to File a Car Accident Claim In the event of a car crash, it can be a stressful experience. You should be aware of the steps to follow in case you decide to file a claim, regardless of whether the accident was your responsibility. First, you must contact the police to report the incident. A police report can help your insurance company determine who was at fault. 1. Contact is imperative to contact the police right away after you are involved in a car accident. This will help you collect important information, such as witnesses' statement