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How to File a Car Accident Claim A car accident can be stressful. You need to know the steps to follow should you wish to file a claim regardless of whether it was your fault or not. First, contact to inform them of the incident. A police report will help your insurer determine who was at fault. 1. Contact the Police If you're involved in a car accident It is essential to contact the police as quickly as you can. This will enable you to collect important information, such as witness statements and insurance details that can be used in court.