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How to File a Car Accident Lawsuit A car accident, also known by the term "traffic collision" is when a vehicle collides with or hits another vehicle. You can file a lawsuit if you or someone else is responsible for the incident. You may be liable for medical costs, lost wages, or property damage. For more information on your insurance if you are injured in a car crash, please contact them. Uninsured motorist coverage If you're involved in a car accident caused by an uninsured driver, you must be aware of what your rights are under your polic