How to File a Car Accident Claim Being involved in a car accident is a stressful event. You must be aware of the steps to take in case you decide to file a claim, regardless of whether or not it was your fault. First, call the police to file a police report. A police report will assist your insurance company in determining who was at-fault. 1. Contact the Police If you're involved in a car accident it's crucial to call the police as quickly as possible. This will let you gather important information such as witnesses' statements and insurance