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How to File a Car Accident Claim A car accident can be stressful. You must be aware of the steps to take in case you decide to file a claim regardless of whether the accident was your responsibility. One of the first things you must do is call the police to report the accident. A police report will assist your insurance company in determining the person at fault. 1. Contact the Police It is important to contact the police immediately following a crash. are involved in a vehicle accident. This will assist you in obtaining important information