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How to File a Car Accident Claim In the event of a car crash, it can be a stressful experience. It doesn't matter if the accident was your fault or not, there are some important steps to follow if you wish to file a claim. First, call the police to inform them of the incident. 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 crucial to call the police as quickly as you can. This will allow you to gather crucial information, such as witnesses' statements and i