A liability claim is a formal demand for compensation made by one party against another, alleging they are responsible for causing injury or damage. It asserts that the person or entity being claimed against (the defendant) acted negligently or failed in a duty of care, leading to harm. The claimant seeks financial recovery for their losses, such as medical bills, repair costs, or lost income. These claims are the starting point for resolving disputes, whether through direct negotiation, insurance settlement, or a lawsuit.

The insurance company will assign an adjuster to investigate. They will review your policy, assess the evidence, interview involved parties, and determine coverage and liability based on the facts and your policy terms. They may estimate repair costs or, for injury claims, evaluate medical reports. The insurer will then make a decision to accept or deny the claim, or to negotiate a settlement. This process can take from weeks to several months depending on complexity.

Yes, you should still get a lawyer. An admission of fault is only about who caused the incident, not about what they owe you. The insurance adjuster’s job is to settle your claim for the least amount possible. They often make a quick, low initial offer before you know the full extent of your injuries or costs. A lawyer negotiates for a fair value that includes all your medical expenses, lost wages, and compensation for your pain and suffering.