In the event of a car wreck, you need to report the accident to the police and to your insurance company. Even if emergency services are not required after the car accident, most states require you to call and report the car accident to the police as soon as possible. You can call the local police department and request for an officer to come to the scene to make an official accident report. Exchange insurance and contact information with the other driver after you have made sure you are both safe and uninjured. Finally, report the accident to your insurance company by communicating with their customer service department. Determining whether or not the car accident was your fault is largely the responsibility of the insurance company based on the evidence collected at the scene and the police report.