How to File a Car Accident Lawsuit A car accident, also referred to as a traffic collision occurs when a 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 is at fault. You could be responsible for medical costs in addition to lost wages and property damage. If you've been injured in a car accident, contact your insurer for more details. Uninsured motorist coverage If you are injured in a crash caused by an uninsured motorist you should know what your r