A lawsuit is a legal claim for compensation filed in court. In the case of a car accident, you usually file a lawsuit if the at-fault party’s insurance provider refuses to provide fair compensation for the expenses and impacts incurred from the accident. Some of the circumstances that can lead to a car accident lawsuit include: The at-fault party struck your vehicle while it was unoccupied, parked in a lot, or legally parked on the street if the at-fault party’s insurer refuses to compensate a claim filed against their property damage insurance coverage. The at-fault party’s negligence resulted in an accident in which you were injured and sustained damage to your vehicle. Your insurance provider refuses to compensate you for a valid first-party claim filed against your personal injury protection (PIP), comprehensive, or collision coverage. Someone struck your car, killing a passenger in your car. Someone collided with your vehicle due to a vehicle defect that prevented them from being able to avoid the collision. If the defect involved the design, manufacture, or labeling, you could file a product liability lawsuit against the manufacturer or parties who sold you the vehicle or part. In Florida, due to the state’s no-fault insurance rules, unless a claimant has suffered serious and permanent injuries, they must seek compensation for medical expenses and wage loss from their personal injury protection (PIP) policy. All registered drivers in the state must purchase a PIP policy with at least $10,000 of coverage. If the expenses from your injury exceed the policy’s limits or the injury meets the state’s serious injury threshold, claimants seeking compensation for personal injury or wrongful death are permitted to seek compensation through the state’s personal injury claims process.