How to File a Car Accident Lawsuit A car accident, also referred to as a traffic collision, occurs when one vehicle collides with another vehicle or with a stationary object, such as an animal or pedestrian. You may file a lawsuit if you or someone else is responsible for the incident. You could be responsible for medical costs as well as lost wages or property damage. If you've been injured in a crash get in touch with your insurance provider for more details. Uninsured motorist coverage You must be aware of your rights under your insurance