How to File a Car Accident Lawsuit A car accident, also known as a traffic accident, occurs when a vehicle collides with another vehicle or with a stationary object like an animal, or a pedestrian. If you or someone else is the one to blame you may file a lawsuit. The damages you can claim could include medical expenses or lost wages, and even property damage. For more information about your insurance coverage if you're injured in a car crash you should contact them. Uninsured motorist coverage You must be aware of your rights under your insu