How can I file a lawsuit for the incident listed below?

You can file a lawsuit on your own, but doing so will pit you against an experienced insurance defense lawyer. You need to retain counsel to guide you through the process.  If you want to proceed on your own, then you should obtain a sample lawsuit and craft the document accordingly.  The mere act of drafting a civil complaint on your own can result in in language error that could prove to be fatal.  Once a lawsuit is filed, there may be interrogatories, depositions, defense medical examinations, and other discovery deadlines that could present further hurdles. An experienced attorney can navigate these and other issues that may arise.