How to File a Car Accident Lawsuit A car accident, also known as a traffic collision, occurs when a vehicle collides with another vehicle or with a stationary object, like an animal or pedestrian. If you or another person is at fault you may sue. You could be held responsible for medical costs in addition to lost wages and property damage. If you've been injured in an accident, contact your insurer for more information. Uninsured motorist coverage It is important to know your rights under your insurance policy when you're involved in an accid