Do I Need a Lawyer If the Other Driver’s Insurance Accepts Liability?

If the other driver’s insurance company accepts fault for the accident, you might be thinking, “Great! That means I don’t need a lawyer, right?” Well… not so fast. Just because the insurance company accepts liability doesn’t mean they are going to treat you fairly or pay you what you deserve.

Every Case Has Two Parts: Liability and Damages

At Flattmann Law, we always explain that every car wreck case has two major components: liability—who was at fault for the wreck—and damages, meaning the injuries and losses caused by the wreck.

So even if the insurance company accepts liability (meaning they admit their driver caused the wreck), there’s still a second part of your case to resolve—and that’s often where the real fight begins. The insurance company likely doesn’t see the value of your damages the same way you do.

They Accept Liability, But…

Accepting liability just means the insurance company is saying, “Yes, our driver caused the wreck.” That’s an important first step, but it doesn’t mean your work is done. The insurance company still controls how much they are willing to pay for medical bills, lost wages, pain and suffering, and future treatment. And remember, their goal is to pay out as little as possible.

How They May Try to Cut Corners

Insurance companies have a variety of ways they may try to reduce the value of your claim. They might offer a quick settlement before you’ve even finished treatment. They often dispute medical expenses by labeling them as “unreasonable” or “unrelated,” ignore or undervalue pain and suffering, and refuse to consider any future medical needs. They may even try to settle your case while you’re still actively hurting.

How We Help

At Flattmann Law, we make sure your case is handled the right way. We track your treatment from start to finish and gather complete medical records and billing documentation. We talk directly with your doctors to obtain reports and future care recommendations. When necessary, we bring in expert witnesses—such as life care planners to outline the cost of future medical needs, and economists to calculate long-term wage losses or other financial damages. Then, we present all of this in a clear and compelling way to the insurance company to prove the full extent of your damages—not just what the insurance company is willing to acknowledge.

No Pressure. Just Help.

Have You Been In A Car Wreck and Unsure What To Do Next?

Even if liability is accepted, having an attorney can help make sure you’re not missing out on thousands of dollars or getting stuck with unpaid bills. Want to know if you really need a lawyer? contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today.

Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Madisonville, Goodbee, Hammond, Lacombe, Pearl River, and Slidell.