Filing an accident report with the police is an essential step to take after a car accident. Learn what to include in your report. Summary: Filing an Accident Report. If you've been involved in a car accident, you may need to file an accident report with your state DMV in addition to. It's common sense to call the police if you're involved in a serious road accident, but what should you do about minor collisions?. Should I go through insurance? Hello my wife was making a turn where her and a pedestrian both had the right of way. Recently I was in a parking lot accident. If you have casino club no deposit coverage, your insurance company may pay to repair the damage but you will likely have to pay your collision deductible. If the collision was not your fault then your insurance rate should not increase. Please refer to your policy contract for any specific information or questions on applicability of coverage. The police report can provide valuable information for your car insurance company, and it can help protect you in the event of an accident-related lawsuit.