118 E. Council St., Ste 3, Salisbury, NC 28144
Phone: 704.633.8857 | Fax: 704.636.2284

118 E. Council St., Ste 3, Salisbury, NC 28144
Phone: 704.633.8857 | Fax: 704.636.2284

Frequently Asked Questions

Why Hire A Personal Injury Attorney?

Q: I don't want to take anybody for anything. Why do I need a lawyer?

A: This is something that comes up frequently and I find it to be amusing. I rarely have clients come in and say that they are just wanting to “take them for all they are worth.” If I did, I would probably not take the case. However, after many years of doing personal injury cases, I can assure you that “taking” an insurance company is impossible. It simply doesn’t happen.

Insurance adjusters are well trained and their decisions are limited by committee and supervisor review. They demand thorough documentation and will pounce upon the slightest opening (and if there is no opening they will create one) to deny parts or all of your legitimate claim. They are in the business of settling each claim for as little money as possible, and they do a good job of it. If you are fortunate and have an experienced, dedicated attorney, you might get something close to what you are entitled to receive as fair compensation after a considerable amount of effort.

Q: The adjuster seems nice, why can't I trust them?

A: An old country saying is “You catch more flies with honey than you do with vinegar.” Many of the best adjusters realize this and try to get on your good side and build a level of trust and confidence with you before moving toward settlement. By doing so they hope to keep you from going to an attorney who will tell you what your rights are and get you a truly fair recovery. The fact of the matter is that they are not working for you and they are not there to help you. They are on the other side.

Q: But I think I am pretty sharp. I should be able to able to handle this myself, shouldn't I?

A: Let me answer this by giving you an analogy. If you were selling a car, wouldn’t you need to know what similar cars are being sold for and what the important selling points would be? Unlike car sales, however, there is no blue book that gives you the value of your case. In addition to knowing the value of a case (or to use another phrase, the “going rate”), there is just too much to know to adequately handle it on your own. In fact, an attorney who is not skilled and experienced in this area would probably not be able to handle it properly. There are at least three different insurances that need to be reviewed for each case. There may be liens that need to be addressed. There are pitfalls to be avoided and important legal documents to be reviewed. If you do not have an attorney, who will guide you through that? The adjuster? Your cousin who once had an accident? Your neighbor who knows everything there is to know about everything (and if you don’t believe it, just ask him and he’ll tell you it’s true)?

Q: Can an auto wreck case really be that complicated?

A: Yes. Since attorneys usually offer free consultations in auto wreck cases, don’t you owe it to yourself to at least find out what you need to know?

Q: Do you take every case?

A: No. Sometimes there is not a good claim and I will tell the person that up front. Sometimes there is a good claim, but the value of the claim may not be high enough for me to invest the time that is needed to handle it properly. In those cases, I tell the person that up front, and try to give him the information necessary to handle the claim on his own. Sometimes, in those types of cases, if the adjuster tries to do a number on them, I still end up stepping in to even the playing field and get things where they need to be, as a matter of principle.

Q: But I just want to get my bills paid and they have to do that anyway, don't they?
A: A common, but wrong, belief. I have seen many cases where the insurance company offered far less than the medical bills to settle a case (and more than a few cases where juries awarded less than the medical bills). While the law provides for recovery of medical expenses, the key parts of the law that the insurance companies focus on to avoid paying medical expenses are “proximate cause” and “reasonable and necessary” expenses. “Proximate cause” is a legal terms which basically means the same thing as actual cause. In other words, the law says they only have to pay for what they actually caused, which sounds fair enough. The problem is, they don’t ever think their insured caused everything. Sometimes they don’t think they caused anything. They talk about the lack of damage to the vehicles and say that no one could possibly have been hurt in that wreck. If that doesn’t work, they talk about “pre-existing conditions,” which means that you were already suffering from this condition and their defendant did not cause it, and “degenerative changes” which is another way of saying that your problems were caused by aging or bad genes or having played football when you were younger or forces of nature or basically anything other than this wreck.

“Reasonable and necessary” refers to the amount of the treatment and the amount you were charged for the treatment. Basically the argument goes like this: a) you couldn’t possibly have been hurt, b) if you were hurt it wasn’t as bad as you say or part of it is from other causes, c) if you were hurt some from this wreck, you went to the doctors too much, and d) they charged you too much and their poor insured (since they can’t be sued directly, they hide behind the actual person who hit you because they think juries are less likely to give money if they think an individual is going to have to pay it) should not have to pay for all of this. They say (usually without actually coming out and saying it) that the doctor, for his own greedy purposes, made you come back for more treatment than you actually needed and charged you too much for it. Sometimes they throw in there that the lawyer probably sent you to the doctor and the two of them ran up some bills so they could have a bigger claim and get paid more. Either way the outcome is the same: they don’t pay what they should.

Q: What about my lost wages. Can I get paid for my time out of work?

A: Again, this is something the law provides for, but the insurance companies try to whittle it down by using the same “proximate cause” issues and by arguing that you were out of work more than you needed to be. They generally will not voluntarily recognize any time out of work not covered by a doctor’s excuse, and often argue that the doctors wrote you out of work for longer than was necessary because they want your business and don’t want to make you mad. In other words the doctors are just going along with what you want instead of making their own decisions. Perhaps they know different doctors than the ones I do, but I have not known any doctors who take their orders form the patients. So they try to avoid paying this as much as they can.

Q: I got several letters from other attorneys who say they can help me. Some of them even gave me copies of the accident report. Why shouldn't I hire one of them?

A: Because you need skilled, experienced local counsel who will take your case to court if need be and who will be able to bring the “home court advantage” to your case. People who know what cases are bringing in your county, what your juries are awarding, and, if a case comes to trial, what is on the minds of your jurors. Many of the attorneys sending letters have no connection to the community, and are simply hoping that you will go with the first, or the best sounding letter. Many times their fees are actually higher than established, experienced local attorneys. You should base your choice on experience, ability, integrity and dedication. You do not want, nor do you need, a lawyer who treats your case like it was any other case on the assembly line.

In short, the legal profession is no different than any other profession. A good mechanic, doctor, lawyer, etc., is not always easy to find. Marketing has become widespread, so that it is difficult to separate image from substance. Does more advertising by one brand of athletic shoes make them better than another, or just more visible? At one time, people relied on word-of-mouth recommendations from friends and neighbors to find attorneys. They could get feedback from those people based on actual experience. Now, wreck victims are inundated by a flood of letters before they get a chance to check around. Many reputable attorneys do not send letters.

Q: What does it cost to hire an attorney?
A: Most of the advertising attorneys or those who send letters that I am aware of charge at least 33% or more of the gross amount of the settlement (the figure which is on the check that the insurance company sends after a settlement is reached), plus costs. The way out-of-pocket expenses incurred by the attorney handling your case are figured varies from attorney to attorney. Some attorneys charge for each copy they make, each telephone call made, each stamp used, etc., while others only charge for medical records fees, court costs, and things they pay out and do not try to recover office expenses as part of costs. I charge 33 1/3% of any settlement or judgment recovered, plus costs actually paid out of pocket. I do not charge for my office expenses such as copies, telephone calls or postage in personal injury cases.
Q: I am afraid that it will end up costing me money?

A: That is theoretically possible because the State Bar requires that the clients remain ultimately responsible for the costs of pursuing a case (meaning if a case is tried and lost the attorney receives no fee but the out-of-pocket costs may still have to be paid back to the attorney by the client). However, in my many years of practice I do not recall ever having seen it happen.

Q: Why should I hire you?

A: The best question you could ask. I am experienced, having devoted a major part of my legal career to handling personal injury case. I know how to value cases, how to deal with adjusters, how to handle trial matters, and I dedicate myself to achieving the best possible outcome for each client. If a case has to be tried, I understand the mind set of local jurors, and have experience in dealing with the local court personnel so I know the local rules and practices. Other lawyers bring me in to consult with them on their cases or help them try them. Perhaps even more important than my experience and ability is my belief in the Golden Rule: treat others as you would like to be treated yourself. I encourage you to meet with me and decide if I am the one you can entrust with your case. Compare me with others and see if, after a personal meeting or telephone call, you can see what I am talking about.

Frequently Asked Questions

Why Hire A Traffic Attorney?

Q: Why do I need a lawyer?

A: There are many things you never knew that you never knew about handling a traffic ticket, as I have illustrated above. Without at least consulting with an experienced traffic lawyer who is familiar with the local rules of court and the practices of the local district attorney and the local judges, you are going into court literally blind as to the available remedies and consequences.

Q: Do I have to show up for court? My ticket says I can mail in the money.

A: You do not have to show up for court, but mailing in the money is an admission of guilt that will result in a conviction to the charge shown on the ticket. You should never simply pay off a ticket without speaking with an experienced traffic attorney first. The consequences can be severe.

Q: Aren't there any cases I can handle myself?

A: Occasionally, there are circumstances where you can handle a ticket on your own. I will tell you what those cases are and give you the option of having me do it for you, if you simply do not want to go to court, or handling it yourself. Even then you have the peace of mind that comes with knowing that you are handling the case correctly, knowing what the outcome and consequences should be before you get to the courthouse, and being prepared to meet them.

Q: But won't the District Attorney make me a deal anyway, even without a lawyer?

A: The prosecutor might offer you a “deal” and he might not. In any event, he is not allowed by law to give you legal advice because he is your opponent. Neither he nor the judge can advise you on what you should do, or what the consequences are, should he make you a plea offer and you accept it, and he can not tell you what remedies are available and what is the best thing to ask for. As a final concern, he does not have to know the driver’s license and insurance consequences of each charge, so you run the risk of getting a bad result even from a well-meaning prosecutor.

Q: But I could save money by doing it myself, can't I?

A: There is a reason people pay attorneys to handle traffic tickets. Making the wrong decision could cost significantly more in increased insurance premiums than any attorney fee you could be charged. As an example, a lady told me of this experience she had which illustrates the point. She had heard that if your ticket was only 9 MPH over the speed limit, then your insurance would not go up. She got two speeding tickets in the space of 13 months. She went to court herself and got both tickets reduced from speeding 69 MPH in a 55 MPH zone to speeding 64 MPH in a 55 MPH zone. As a result, her insurance went up a total of four points, virtually doubling. If she had come to me to handle the tickets, she would have had no points on her license or insurance.

By my estimate, she cost herself roughly $3,000 to save a couple of hundred dollars in attorney fees.

Q: How bad could it really be if I do mess it up?

A: Really bad, as illustrated above. Not being able to drive for up to a year and paying thousands of dollars more in insurance premiums is pretty bad. Most of us need to drive to be able to work, take care of our children and run our households. Anything that can affect that should be taken very seriously.

Q: What are "points"?

A: As I have explained above, there are two types of points in North Carolina: license and insurance. Since it takes 12 driver’s license points to revoke a license for accumulation of excessive points (though there are many other ways to lose it), most people are rightly more worried about insurance points than the driver’s license points. Insurance costs are high enough without the steep increases that accompany convictions of moving violations.

Q: Why should I hire you to handle this ticket for me?

A: I have successfully handled thousands of traffic tickets and understand the interplay between the two points systems. Because I understand how important the case is to you and how valuable a driver’s license really is. Because it really is not something everyone understands how to do. Because I do understand what the local rules are and know what to ask for in any given situation and know how to get it, if possible. Because other attorneys ask me for my advice in handling their tickets. Because I believe that no one can get a better result for you than I can.

Q: I got letters from several other attorneys, offering low fees. Why shouldn't I choose one of them?

A: This is one area where you really get what you pay for. The letters you get usually do not tell you everything you need to know about court costs and fines, leaving you the impression that they can resolve your case for just the quoted attorneys’ fee. You should question how that these attorneys, who are usually from another county, can afford to drive here to properly handle your case and if they can really be familiar enough with the local practices to know what the best possible result is for your case. You should also know that the difference in attorneys’ fees is usually in the neighborhood of $100 or less.

Q: I have decided I want to hire you. How does this work?

A: My goal is to maximize your convenience while getting the best possible result. I am happy to meet with you in person to discuss the matter, or will handle it by telephone, mail or e-mail as best suits your schedule and your circumstances. I will send you a waiver of appearance form to sign and have notarized so that I may appear on your behalf and you will not have to appear in court, and ask you to send back a copy of your ticket, the signed waiver and the money quoted for your particular ticket. If you need additional time to come up with the money, I can usually arrange for that by continuing your case. If you are an out-of-state resident, I may need to get you to sign an authorization form so that I can obtain your driving record from your home state. Then I take care of the case, pay the fines and costs on your behalf out of the money you have sent me, and send you a letter telling you the outcome of the case.

Q: If I hire you do I still have to show up for court? My ticket says I do.

A: Usually (almost always) I can handle it by waiver without you having to be there. For those few cases where you would have to appear in court, I will always tell you what cases those are and remind you of your court date in writing.

North Carolina Driver’s License Point System

Points are given for the following offenses:

Points given for conviction of violations while operating a commercial motor vehicle:

North Carolina Insurance Point System

North Carolina Insurance Point System

*No SDIP points will apply for Bodily Injury if the insured furnishes proof that costs were solely for diagnostic purposes.
**The greatest number of points will be applied for at-fault accidents resulting in Property Damage and Death or Bodily Injury

Insurance Surcharge Per Point

Data Source: Motor Vehicle Law and the Law of Impaired Driving In N.C.

It should be noted that I have used the term “moving violation” as compared to “ticket,” “charge” or “citation” or “conviction.” Under North Carolina law only moving violations carry insurance points or license points. That is why my first objective in any case is to determine whether an appropriate non-moving violation is available as an alternative.

Let me give you an example of just how serious a traffic matter can be. When traveling South on Interstate 85 from Raleigh to Charlotte you pass, within the space of a few miles, from a 70 MPH zone into a 65 MPH zone into a 55 MPH zone. Assuming for the purposes of this example that a person was traveling at what he thought was 9 MPH over the posted speed limit of 70 MPH ( a common practice) and he missed the speed limit changes (another common occurrence) and his speedometer was off a little (also common), he ends up being charged with speeding 81 MPH in a 55 MPH zone. If he shows up for court and pleads guilty as charged (reasoning that, since he is guilty he should plead guilty) he faces revocation of his license for one year, an increase in his insurance premium (based on four insurance points) of 90% per year for the next three years, plus an additional surcharge whose amount depends on the county of residence.

Presuming the driver to be paying $1,000 per year for liability insurance, the new insurance bill would be $1,900 per year. If the policy had previously been ceded to the reinsurance facility (not uncommon if there were any other tickets or accidents in the past three years), then the total bill might be considerably higher, perhaps up to 52% higher. It would also result in the loss of a clean criminal record, as this is a misdemeanor charge.

Our Mission Statement

Adkins Carter, P.A., offers our clients a full range of legal service aimed at helping them find solutions for whatever legal issues they face.

We strive to serve the citizens of Rowan County and help other law firms by partnering with them when they have clients needing help here.

118 E. Council St.,  Ste 3, Salisbury, NC 28144
Phone: 704.633.8857 | Fax: 704.636.2284



© 2020 Adkins Carter, P.A. | Powered by Miller Davis

© 2020 Adkins Carter, P.A. | Powered by Miller Davis