You don’t need an attorney, but it is highly recommended that you get one. Damages recovery is a game. You need to be able to know how to play with the insurance companies because they know how to play you. A seasoned personal injury attorney will cost you no money up front and should be able to recover many more times what you would get if you handled the case on your own. We do this day in and day out. We specialize in handling these types of cases and pride ourselves on customer satisfaction. You have a busy life, and you are dealing with recovering from your injuries. You don’t want to waste your time and stress on dealing with insurance companies trying to give you the lowest settlement check possible.
That being said, in Louisiana, the minimum insurance rates are the lowest in the country. If you don’t have Uninsured/Underinsured Motorists Insurance as an additional coverage, you may want to handle the case on your own so you can get the maximum recovery. For instance, if you have medical expenses that are $10,000 and could argue for pain and suffering that exceeds $5,000, if the person who hit you only has the $15,000 minimum per incident policy (which most Louisianans do) then you should generally pursue the claim on your own so you can get paid the most.