How to File a Car Accident Lawsuit A car accident, also referred to as a traffic collision, occurs when a vehicle collides with another or with a stationary object like an animal or pedestrian. You can sue if you or someone else are at fault. The damages you can claim could include the cost of medical bills, lost wages, and even property damage. If you've been injured in a car accident, contact your insurer for more information. Uninsured motorist coverage If you're involved injured in a crash caused by an uninsured motorist, you need to know