How to File a Car Accident Claim A car accident can be stressful. You must be aware of the steps to take when you are planning to file a claim, regardless of whether the accident was your fault or not. First, must contact the police to inform them of the incident. A police report can help your insurance company identify who is at fault. 1. Contact the Police It is crucial to call the police immediately after you have been involved in a car crash. This will help you gather important information, such as witnesses' statements and insurance info