How to File a Car Accident Lawsuit A car accident, also known as a traffic accident, occurs when one vehicle collides with another vehicle or with a stationary object such as an animal or pedestrian. You can sue if you or someone else are responsible. The damages could include medical expenses in addition to lost wages and even property damage. For more information on your insurance coverage if you're injured in a car accident, please contact them. Uninsured motorist coverage You must be aware of your rights under your policy should you be in