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How to File a Car Accident Lawsuit A car accident is also known as the term "traffic collision", is when one vehicle collides or strikes another vehicle. If you or someone else is responsible, you can make a claim in a lawsuit. The damages could include medical expenses in addition to lost wages and even property damage. If you've been injured in an accident, contact your insurer for more information. Uninsured motorist coverage You should be aware of your rights under your insurance policy when you're involved in an accident that was caused