How to File a Car Accident Lawsuit A car accident, also referred to as a traffic accident, occurs when one vehicle collides with another vehicle or with a stationary object like an animal, or pedestrian. You can file a lawsuit if you or someone else are at fault. The damages could include the cost of medical bills, lost wages, and even property damage. If you have been injured in an accident, contact your insurer for more details. Uninsured motorist coverage It is important to know your rights under your insurance policy If you're involved in