Not having enough accident insurance can present quite a problem. That is especially true if you are the one who caused the car accident (OBX lawyers call that “at fault” or “legal liability”) and are subject to claims for negligence in North Carolina.

While North Carolina requires insurance for vehicles on the roadways, mandating certain minimum levels of NC insurance coverage, there are times that level of protection just isn’t enough.

What happens then? What happens if there isn’t enough accident insurance after an OBX wreck? Who pays for your injuries?

It can get a bit confusing, but if you seek legal representation by an Outer Banks lawyer or Googled “Car Accident lawyers near me OBX,” our law firm may be able to help.

Personal injury cases can be a complicated when accident insurance becomes an issue. We may be able to find other insurance policies, levels of coverage, or even additional sources (or assets) from which to collect.” Danny Glover, OBX accident lawyer

What does “personally liable” mean? Does my accident insurance pay for my injuries or damages after a car wreck?

Normally, the person who caused the accident, whether it is a car accident, motorcycle accident, or even an OBX semi truck accident, is legally responsible for your losses. Those may include things like medical bills, lost wages, permanent injuries, and property damage to your vehicle.

READ MORE: 4 Ways Auto Insurance Can Increase

If the other person who caused the wreck bought the cheapest insurance out there, that may mean they have what experienced OBX personal injury lawyers call “minimum coverage.”

When found to be at fault (legally liable), and damages exceed the amount of available coverage, the insurance carrier may offer to “pay the policy limits.”

If your damages after a car accident exceed the policy limits (the amount of insurance they have), then the person who is at fault for the car accident and legally responsible for the resulting personal injury, may also personally liable for any amount over the policy limits.

Put simply, if someone doesn’t have enough insurance after a North Carolina accident, whether if they are from out-of-state and you live on the Outer Banks NC, they could be required to pay you back out of their own pocket.

That’s true too if you were the one visiting Nags Head, Manteo, or Kill Devil Hills on vacation and were injured in a car accident by someone who lives in OBX NC.

In the instance where there is not enough insurance, that may also trigger something on your insurance policy called UIM which stands for Under Insurance Motorist protection. Experienced OBX lawyers are used to working with UM / UIM insurance and accident claims in North Carolina.

UM accident insurance refers to cases where the “at fault” driver had no insurance at all. UM stands for UN-insured motorist accident insurance in NC.

That does NOT mean the at fault driver is not still personally liable for the car accident. Just like before, if someone else caused the accident and is found to be legally negligent and therefore liable, they could owe the entire amount for your injuries and damages.

The big question then becomes: Do they have the money to pay for your losses after an OBX car accident?

READ MORE: What Insurance Should You Use?

While it’s possible someone may have simply forgotten to pay their car accident insurance policy, resulting in a lapse and therefore no coverage (UM claims), all-too-often the reason the car insurance lapses is because they didn’t have money in the first place.

Sometimes it’s true: “You can’t bet blood from a stone.” Obtaining a judgment for money damages after an OBX accident lawsuit is not the same as collecting on those damages. That’s when UM or UIM insurance in North Carolina can be so incredibly valuable. . .and important to your long-term well being after an NC accident.

The potentially good news is that your auto insurance policy on your vehicle may be an avenue for money damages after an accident. You may be able to make a claim under either your UM or UIM policy when the “at fault driver” either did not have insurance or did not have enough car accident insurance.

If you have questions about all this, OBX lawyer Danny Glover is available for consultation. With more than 26 years helping people on the Outer Banks in places like Kill Devil Hills, Nags Head NC, Manteo, Buxton, and Ocracoke, North Carolina, our OBX law firm is here to serve you.

Now is the time to call our Danny Glover OBX attorney.

We provide free consultation to people hurt in OBX car accidents. We’re used to dealing with accident insurance legal issues with people who may be visitors to the Outer Banks hurt in accidents. Danny Glover, Car Accident Lawyer

What do I pay after an accident? What does my accident insurance cover? What if I caused the accident?

Your insurance does not determine how much you owe somebody.

Your insurance coverage amounts simply tell you how much of that amount your insurance company is going to pay, so when you owe someone more money than your insurance coverage, that’s called an access judgment, and you are personally responsible for the amount that you owe after your insurance pays its limits.

CALL NOW 252-299-5300 for Free Consultation

If you were injured due to the criminal negligence due to DUI OBX or drunk driving in North Carolina or DWI charges Outer Banks NC, we’re here to help.

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One of the more immediate concerns after an Outer Banks car accident is dealing with getting your car repaired. Even with a rental, which may be an option in some instances, it takes time to review the damages and schedule work to be performed. It also may take more than one shop, especially if there is substantial frame damage, bodywork, and the need for painting.

While a lot of focus is understandably placed on personal injuries, medical care, and outstanding medical bills, lawyers also provide legal representation for property damages, vehicle repair, valuation of the loss, and depreciation after a wreck.

Property damage after an car accident is an important aspect of the case legal presentation. Indeed, it often proves to be one of the more immediate needs of our clients. It’s also regularly a source for contention, as accident insurance companies often don’t want to pay the fair market value – Danny Glover, OBX lawyer

A lot depends on the nature and extent of the wreck. What type of vehicles were involved? Was is 18 wheeler vs car? UPS truck vs mini-van? Pickup truck vs Honda Prius? SUV vs motorcycle?

To some extent, it comes down to physics, the weight of the respective vehicles, the speed at impact, and whether any effort was made prior to the collision to change direction or stop prior to the accident. Vehicle damages can be complicated. Part of the calculation for damages also includes the make and year of your car. Older model vehicles depreciate over time and may be difficult to fix if parts are unavailable.

Who Is Liable For Accident Injuries?

It’s also relevant for the insurance defense attorney to deduct from the value “high mileage” and prior damages. And as a result, the type of vehicles involved in the OBX car accident (or motorcycle accident) is as important as how your car or motorcycle was damaged as a result of a traffic “accident.”

While it may be common for defense lawyers to use the term “car accident,” there really is no such thing as an accident. If you were injured as a result of negligence, that was not an accident. A decision was made, whether it be to not follow the NC traffic laws or the failure to operate a vehicle in both a safe and lawful manner.

Motorcycle wrecks are often a total loss. It doesn’t take much impact to completely destroy a motorcycle. There is an inverse relationship with motorcycle accidents in the Outer Banks NC. The property damages tend to be lower, because motorcycles aren’t as expensive as most cars. But the personal injury claims are substantially higher, because the person on the motorcycle has nowhere near the same protection as a car accident – Danny Glover, OBX motorcycle accident lawyer

Damages after a car accident involve more than exterior repairs

The way cars are designed and built nowadays sometimes disguise the true nature and extent of vehicle damages. Back in the 1950’s American cars dominated the roadways and everything was fabricated out out steel. If you crumpled a bumper back then, it wasn’t hard to imagine the level of impact.

You could look at a quarter-panel or smashed front-end and understand the relationship between vehicle speeds and the mass of vehicles in a car accident case.

Vehicles today are built with ultra-light and resilient materials. Indeed, some very smart engineers have learned to transfer and distribute loads associated with the force of impact after a car accident. An exterior bumper might “pop back out” with a minimal amount of work, disguising substantial vehicle damages to energy absorbers and brackets.

Under United States Federal Automotive Laws 49 CFR Part 581 a “Bumper Standard” was put into place to limit exterior damages at barrier impact speeds. Hidden under the exterior (attached to both front and back bumpers) of most newer-model vehicles are compressible, accordion-like rubber compression modules.

In inspecting for vehicle damages after a car accident, it’s important to look for telltale signs of the impact such as missing or cracked plastic facia. That often means putting your car on a lift and completing a visual inspection of the hidden areas of the car. It also may mean removing the bumpers and looking for damage to the energy absorbers and even to the frame of the vehicle.

If a frame is bent after a car accident, which is relatively common after semi truck accidents and large vehicle vs small vehicle collisions, very little can be done to repair the car. Contrary to what an insurance adjuster may tell you, vehicles with a bent frame will never ride the same, they’ll be subject to a host of consistent repair issues, and should in most instances be declared a “total loss” or “totaled.”

Am I required to get my car fixed after an OBX car accident?

You’re entitled to the full value of damages, which means either the total loss amount or the amount that it would cost to repair the vehicle, but it’s your car, and you’re not required to get it fixed if you don’t want to.

CALL NOW FOR FREE CASE EVALUATION 252-299-5300

Will insurance require my car to be repaired in NC? 1705z18

I recently had the chance to sit down and talk with Scott Neal, my friend, and host of The Imperfect Leader Podcast.

Thanks first to Steve for the opportunity and for his gracious, kind spirit. I really enjoy talking to people about the law and what I’ve learned after more than two decades of courtroom experience.

DOWNLOAD PODCAST HERE

If you’ve ever wanted to know what it’s like being a lawyer, I think you’ll enjoy listening to this episode on Steve’s podcast.

We discuss a wide range of topics, including becoming a lawyer, the business of law, representing clients, and managing a law practice in North Carolina.

Feel free to contact me at: Danny Glover Law Firm

For additional information, check out my other blogs posts:

7 Questions to Ask Your Criminal Defense Lawyer Before Hiring

What can a Criminal Defense Lawyer Do for You?

Who is Responsible for a Wreck in NC?

What to do right after an Accident in North Carolina

Announcer: You are listening to The Imperfect Leader Podcast with Scott Neal, a podcast to help you lead and grow, even with imperfections and challenges. Now here’s your host, Scott Neal.

Scott Neal: All right, welcome to The Imperfect Leader Podcast. I’m Scott Neal, your host. And today, I’ve got Danny Glover with us. Danny is a well-known attorney here in our city, Elizabeth City North Carolina, and really honored to have Danny with us today.

Scott Neal: We’re gonna jump right into our interview with Danny. And I want you to get to know him, and excited about a few of the questions I’m gonna ask him, and where we go on this journey of this podcast today.

Scott Neal: Hey Danny. Welcome to the podcast. Glad you’re here.

Danny Glover: Well thank you. I was very honored to be asked until just now, I heard it was called The Imperfect Leader, so I’m a little conflicted at this point.

Scott Neal: Sorry. Well, I’m the only imperfect leader here. So it’s my show, so I figured I better be honest about it.

Scott Neal: Hey Danny, tell us a little bit about yourself, ’cause I’m sure there are many people listening who have no idea who you are, and they’d like to get to know you, just the personal side. And then we’re gonna jump into some professional questions as well. So tell us a little bit about your family, maybe how long you’ve been practicing law, and maybe what area of law do you specialize?

Danny Glover: All right. Well, I am the husband of Meredith Glover, and the father of three kids, Linc, who is at East Carolina now, Rebecca, who is a junior at the School of Science and Math, and actually is part of the worship team here. And then Dillon is an 8th grader at Victory-

Scott Neal: Awesome.

Danny Glover: … south of town.

Scott Neal: Right.

Danny Glover: I have been in Elizabeth City part of 1994, and then full-time since 1995, when Meredith and I got married and moved here. And we’ve been here ever since.

Scott Neal: Yeah. Now what kind of law do you specialize in? I know it’s a variety of different things, but what’s one area especially?

Danny Glover: I do serious personal injury cases, where people are hurt badly enough to need surgery, permanent injuries, life care plans, future care, that kind of thing.

Scott Neal: You mentioned how long you’ve been here. How long, you may have already answered this, but let me ask again. How long have you been practicing law?

Danny Glover: I’ve been practicing law since 1995, when I graduated from the UNC Chapel Hill School of Law.

Scott Neal: Okay. Did you always want to become an attorney? Was that something you had when you were a kid, just this dream to become an attorney? Or how did that work out? Talk us through a little bit of that.

Danny Glover: Well, it’s not really all that inspiring or insightful, because I frankly don’t remember when I decided to become an attorney. I seem to recall having some thoughts in high school about wanting to become an accountant. But as I got into college and started, I was a business major and a speech minor. And just decided that crunching numbers all day was not going to fulfill me. And I consider myself a problem solver, and a helper, and at some point realized that law was a good way to put both of those into practice.

Scott Neal: Mm-hmm (affirmative). Well, I’m ignorant when it comes to all the different facets of being a lawyer. I assume when you go to school you get a pretty wide spectrum of law, and then you eventually make a decision on kinda the direction you’re gonna go, and kind of specialize in an area. Is that how that works?

Danny Glover: Well, you are taught for three years in law school in a wide variety, mainly using the Socratic method, which is where the professor simply asks questions, and then critiques your answer, criticizes you, has other students do the same, but gives you basically a fact pattern, and then you have to figure out how the law would apply to those facts. And so it’s not sitting down reading, memorization, things like that.

Danny Glover: A lot of my classmates figured out during law school what kind of law they wanted to practice. But frankly, the majority of us, it was controlled by the hiring environment and the economy, and so unless you were an elite student, which I certainly was not, you took what job you could get basically.

Scott Neal: Okay.

Danny Glover: And it just so happened that mine ended up being with a lawyer here in Elizabeth City who practiced primarily criminal defense and personal injury. So that’s what I’ve been doing for decades now, is criminal defense, serious personal injury, and in the last few years, sort of evolved into a residential construction dispute litigator.

Scott Neal: Okay. What would you say if maybe we had a few young college kids here, and they’re considering going into law, and you could look at them, kinda like you were when you first started out. What are maybe a few things you would say to them, maybe in wisdom, guidance, direction, about here are a few things I want you to know. I wish I knew this when I was in school.

Danny Glover: Right.

Scott Neal: What would be a couple of those things?

Danny Glover: Well, the first thing I would say is don’t do it.

Scott Neal: Okay. Well that’s odd.

Danny Glover: The job market in North Carolina, especially, has become oversaturated with lawyers. Recently, the Charlotte School of Law was shut down for accrediting, and perhaps some tuition fraud issues. But they were pumping out 700 plus law students a year.

Scott Neal: Wow.

Danny Glover: The ELAN recently opened a law school a few years ago. They’re pumping out lawyers. Then you’ve got Central, in Durham, Duke, Wake, UNC, and so there are just more law graduates coming out than the job market can possibly handle.

Scott Neal: Now, is that unique to North Carolina, or is that our nation pretty much?

Danny Glover: I can’t answer that. All in know is North Carolina. But I know that it is a huge problem here, where law students are now coming out of law schools, state law schools, or private law schools here in North Carolina with hundreds of thousands of dollars of debt, and they’re being forced to take jobs that might pay them 20 or 30 thousand dollars a year. It’s tough for them to cashflow their school debt, much less their ordinary living expenses, or trying to raise a family, or things like that. So it is reaching a crisis level, frankly, in North Carolina.

Danny Glover: Now, when I graduated, it wasn’t that bad, because law school might’ve been five to six thousand dollars a semester. And so you could come out, if you had to borrow everything, you’d come out with less than $50,000 of debt. But that’s not the case now, even with the state schools.

Scott Neal: Right. Well, today you own your own business. And that, I’m sure, is somewhat exciting, and also challenging. So what would you say to a few, ’cause I know there are people listening to this who are thinking about opening up a business. I meet people here in our church. I meet people throughout our city wanting to either start a restaurant or wanting to open up any private business. What are a few suggestions you’ve learned over the last few years about opening up your own practice, that you could share with a few young people or older people who are just starting to think about owning their own?

Danny Glover: Well I think having a real solid plan, a detailed plan, is essential. I was fortunate when I opened my business last year, that I had been here for decades, had a lot of contacts, had a lot of existing clients that transitioned with me to my new firm. So my supply side, or my demand side rather, was already in place, basically. But I see a lot of business owners get into trouble when they have a good idea, they may be very good at executing it. But they’ve not thought through all of the expenses, all the cash flow issues, all of the contingencies that are gonna happen, even with the best planning.

Danny Glover: So they don’t have a plan to account for those kinda things. And so they start up, and they’re doing what they always wanted to do, and three or four months later, they realize they don’t have the money to continue.

Scott Neal: Right.

Danny Glover: So that’s the biggest thing I would say is you’ve got to sit down, and if you’ve not been in the business before … In my old firm, I did most of the administrative stuff, so I knew what all of the different aspects of a law firm cost, from online legal research, to the insurance, to payroll, to health insurance. I already knew all of that, so it was easy for me to sit down and budget for those things.

Scott Neal: Yeah. You were walking with your eyes open. You knew what was happening.

Danny Glover: Yes. I did.

Scott Neal: You knew what to expect.

Danny Glover: I did. Still scary.

Scott Neal: Sure.

Danny Glover: Still very, very different. I came and joined a, my former partner had already been in Elizabeth City for 20 something years before I was here. He already had a very successful practice. So I was very fortunate that I was able to step into a successful practice and sort of grow up in that. But if you’re starting in a brand new business that you’ve never done before, I think it’s essential that you talk to others who have, and plan out everything you can think of, worst cast scenarios.

Scott Neal: And if you’re not financially or business minded, find someone who is.

Danny Glover: You have to, because when you go into business, it’s the business that matters.

Scott Neal: That’s right. Yeah.

Danny Glover: It’s the business that will put you out if you-

Scott Neal: Right. I think a lot of people walk in thinking, “Well, I’ve got a great product, and I’m a hard worker. So all I gotta do is put a for sale sign on whatever it is I’m selling, and everybody will just come to me, and it’ll be successful.” But that’s not true. You’ve gotta find some people who’ve got a good business sense who can help you put a plan together, because often people spend all their profits, and they don’t have anything to take them to the next month, or on to the rest of the year. So that’s good.

Danny Glover: Especially self starters who have some cash, and don’t need the bank’s involvement. I’ve seen, over the years, that even though borrowing, I’m totally against borrowing. But when you deal with the bank, they will require that kind of planning, and the business plan, the business model, the budgeting. But a lot of the failures that I see are people who didn’t have to deal with the bank, and they didn’t have that guidance and that structure in place, like a business loan would’ve done.

Scott Neal: Right. Well Danny, a lot of people, no doubt, see attorneys on TV. They watch attorneys in movies. They have a perception of what it means to be an attorney, out there battling the bad guys, or winning it for the good guys, or whatever. What are a few maybe common myths about being an attorney that the average person may not know. I’m sure your day is not filled with excitement all the time. So tell us a little about kinda the reality. What’s behind the scenes there of being an attorney every day?

Danny Glover: Sure. I hear young people come to me and say, “You know, I think I wanna be a lawyer, because I’m really good at arguing. I’m really good at arguing.” And frankly, doing the kind of law that I do, it’s agreement making, and it’s consensus building. I’m trying to reach reasonable fair settlements with insurance companies. Now, sometimes we have to fight to get to that point of agreement. But that’s my goal is to reach an agreement, and if they won’t agree, then to take it to a jury and allow the jury to agree with my client.

Danny Glover: Same in criminal defense. When 95% of all cases settle, and only 5% actually go to trial, and I think that’s a pretty fair estimate. That’s a lot of agreements.

Scott Neal: Sure is.

Danny Glover: And you have to have the relationships with the prosecutors, with the law enforcement officers, with the judges, so that there’s trust, so that there’s respect. Oftentimes, criminal defense attorneys have to point out to an officer or to a prosecutor the mistakes the officer made during the process, because it’s those mistakes that are the loophole of the technicalities that people talk about all the time.

Danny Glover: And so you have to be able to do that in such a way that the officer’s not gonna get mad, hold it against you later, hold it against your client now. So it really is, there really is a skill to getting people to agree when the agreement is based upon someone’s failure, either my client’s failure for getting in, that led him or her to get into trouble, the officer’s failure in doing exactly what he or she was trained to do during the arrest process, the prosecutor’s failure in not securing a witness or some evidence that they should have. Any number of things.

Scott Neal: Yeah.

Danny Glover: But that’s the basis of these agreements. And it takes some, there’s some delicacy involved in doing that without bruising egos and blowing the deal up.

Scott Neal: Right. So a lot of negotiating, a lot of relationship building. I think that is definitely a surprise that a lot of people might not know about, being an attorney. It’s building relationships with the people in the city, everybody involved, and just, like you said at the beginning, trust, building this trust, level of trust with people. Interesting.

Danny Glover: Yeah. It is. And I’m fortunate on the criminal side of my practice, our elected District Attorney, Andy Wamble, Andy and I went to law school together, and played intramurals against each other in law school, back when we were babies. So just through sheer luck, I happen to a law school classmate with our elected District Attorney, which is nice.

Scott Neal: Sure.

Danny Glover: It’s nice.

Scott Neal: That’s great. What do you love most about what you do? What is it that kinda gets you up and keeps you going, and this would be an awesome day if this occurs, when this occurs, just some of the things you love most.

Danny Glover: I am a competitor-

Scott Neal: Okay.

Danny Glover: … to the worst possible degree.

Scott Neal: Yeah.

Danny Glover: It’s actually a problem. And every case I have is a competition with somebody, either the other attorney or the insurance company, or the government in the criminal prosecutions. And so even when we have to settle, even when we have to reach a plea bargain, the whole build up to that is a competition. Can I outwork them? Can I outthink them? Can I outmaneuver them? Any number of things that I’m trying to do, all of which benefit my client.

Scott Neal: Sure. So that would be true of any attorney really. Again, if someone’s out there thinking about going into law, you’ve got to have this competitive edge to yourself. Wouldn’t you agree? You gotta love that.

Danny Glover: Well you do, because getting into law school itself if highly competitive. And then surviving in law school, especially the first year is highly competitive. Once you graduate, there are some areas of the law where you don’t have to be hyper-competitive. There are transactional lawyers who simply draft deeds or wills all day. And they’re not trying to beat any other side. They’re not trying to win. They’re just trying to get down on paper what their client wants, and what’s best for their client.

Danny Glover: Judges, they’re not competing with anyone. They’re the master.

Scott Neal: Right.

Danny Glover: And so what they say goes. And it’s a difficult job, no doubt, but it’s not the competitive job that being on one side of the litigation is.

Scott Neal: So if you do not enjoy competition, then getting in there and fighting it is not the area you wanna go into for your career.

Danny Glover: It’s very tough to be a successful attorney and to be a passive, non-competitive person.

Scott Neal: Sure. Well, the flip side of that question. What are a few of the things you find most challenging about what you do, some of the things you just don’t really enjoy. You gotta do it, but it’s just not something that gives you a lot of energy.

Danny Glover: Well, we don’t win every case.

Scott Neal: Right. Sure.

Danny Glover: So losing is not high up on the enjoyment factor. I think dealing with egos is one of the more challenging part. And I’ll put my ego right up there at the top of the list. I take every case thinking I’m gonna win it, and at some point, there’s a realization that I’m not gonna win this case, or I’m not gonna get my client exactly what they want. So you have to, you have to put that aside to continue to do what’s best for your client.

Danny Glover: Managing your client’s expectations is very, very difficult, especially when the more successful attorneys charge more, and when you charge more, and the client is paying more, the client expects more. And so, that becomes difficult. Why did I hire you? I could’ve achieved that myself. And so that’s a challenge.

Danny Glover: Dealing with different judges’ rules and quirks is a challenge. The personality of the judge, the belief system of the judge, the rules of the judge may vary from day to day, from judge to judge. And so, one client with a case, and another client with an identical case but a different judge, may see two entirely different processes, two entirely different outcomes. And so that becomes difficult.

Scott Neal: So this my go, not need to be said, but I’m curious. I assume, based on what you just said, that depending on the judge, you prepare differently.

Danny Glover: Absolutely.

Scott Neal: Okay, because you know going into this case, with this particular judge, these are certain things important to him or her. These are certain things he or she will maybe lean one way or the other. Is that accurate?

Danny Glover: Absolutely. And that’s one of the things that a lot of clients don’t understand. And with the economy the way it’s been lately, and the competitive environment in the legal field, attorneys are doing more than they used to. They’re traveling further than they used to. And so I have attorneys from Charlotte and Richmond advertising as Elizabeth City personal injury lawyers. I have attorneys from Raleigh trying to get Elizabeth City DWIs. Well those out of town attorneys don’t know the first thing about our judges. They don’t know our prosecutors. They don’t know our law enforcement officers.

Danny Glover: And I don’t think the clients understand exactly how important it is that you know-

Scott Neal: Well I had no idea. It’s new to me.

Danny Glover: Yeah.

Scott Neal: I would have no clue about that. So that’s good to know.

Danny Glover: So the biggest advice I would give is find a competent, well-respected, local lawyer.

Scott Neal: Right.

Danny Glover: You know, boots on the ground.

Scott Neal: So if a person’s listening to this and they, you know, obviously live in a different city, or they’re going, maybe traveling through that particular county, or whatever, get pulled over for a speeding ticket, gonna have to appear in court in that particular county, you would recommend they find someone there to represent them, if they need to do that.

Danny Glover: Absolutely. Or they call me, and I’ll find them.

Scott Neal: Okay.

Danny Glover: I’m huge into networking across the state. I have spent my entire legal career working in an organization called the North Carolina Advocates for Justice, which is basically the statewide trial lawyers organization of about 3,000 members statewide, doing all sorts of legal work, on the litigation side, representing injured people, representing the accused, worker’s comp, things like that.

Danny Glover: Went up through the ranks and was president of that organization in 2014. So I know how important it is to know attorneys all across the state. ‘Cause you don’t want me representing you in Rocky Mount.

Scott Neal: Sure.

Danny Glover: I don’t know the first thing about Rocky Mount. I know-

Scott Neal: It’s very interesting, ’cause I know anytime we’ve got a, unfortunately, would get pulled over, or get a speeding ticket, we get a flood of attorney letters at our house.

Danny Glover: I hate it.

Scott Neal: We have three kids, and we’ve got all these cars everywhere, and my kids live in different places. So if they get a ticket, wow, we get 15 different letters probably at our house. And I had no idea. I figure well, just pick one of them and if you need an attorney, they’re all the same. But that’s not true.

Danny Glover: Well, it’s not. And I hate those letters. I don’t send them, and if I have anything to do with it, I never will. But that’s part of the economics of our profession is people feel the need to do that.

Scott Neal: Sure.

Danny Glover: I’ll tell on her. My wife was one of my first clients at my new law firm-

Scott Neal: Oh yeah?

Danny Glover: … when she was late to work one day, and we got a flood of those letters, from my friends and colleagues.

Danny Glover: The tickets and the charges are public record, and you can actually subscribe to services that every morning they will send you a mail ready list of the people who got recent charges, and you just put a stamp on an envelope and send it out, and you don’t even look at it, or look at what it’s about. You just send them.

Scott Neal: Yeah. Well, it happened to us a little while back, and I got a bunch of them. So I was curious how all that worked.

Scott Neal: Well, here we are in Elizabeth City, which is a relatively small town. How do you stay current in a town like Elizabeth City? I’ve noticed recently, you have … Now, this may only because I’m more aware of it, but it seems like you have more blogs. You have some more things you’re writing, posting in social media. I’ve seen some things in Facebook and different places.

Scott Neal: I assume that’s intentional, in order to kinda keep your face in front of the people here in our town, and because of all those competition. Just give us a little rundown on that.

Danny Glover: Well, that’s obviously marketing.

Scott Neal: Right.

Danny Glover: It’s also very informative.

Scott Neal: It is. I’ve read several of the blogs. Very helpful actually.

Danny Glover: Yeah. And so, over the years, advertising in the legal profession has been problematic within the legal profession. The state bar has a ton of ethics rules about how you can and cannot advertise, and the kind of superlatives you can use when describing yourself or your practice.

Danny Glover: But TV advertising used to be the thing. For the attorneys who were gonna advertise, it was either gonna be billboards or TV. Well, TV’s really expensive, and TV is limited to this local area. And so, we’re in a tourist area, so we have people from Canada come to the Outer Banks. We have people from Nebraska come to the Outer Banks. If I advertise on TV, they’re not gonna see that.

Danny Glover: The internet is worldwide. So I get a lot of business off of the internet, and Facebook, and other social media, where those blogs are also syndicated and posted. But instead of just throwing my name out there, throwing my face out there, I think people are interested in reading short little legal tidbits. I get asked more about those than anything else I’ve ever done in terms of marketing or advertising. And it’s fun.

Danny Glover: I’ve got a buddy in Charlotte who does all my video work. So we go to his studio, and he interviews me for hours and hours and hours, and then he chops those up into little bitty 20, 30 second interviews. Then he does the animated stuff as well.

Scott Neal: Yeah. Well they’re helpful. And I find it interesting, ’cause obviously, you live in that world, so you know the lingo. You know, obviously, the laws, and what the rights of the person. But the average guy, like myself, I don’t know what I can do, can’t do, what’s right if a police officer pulls me over, what I can expect, what maybe is requested of me that I don’t necessarily have to do. So I find those little tidbits of information very helpful. In fact, I’d like to, for you to give us maybe a little taste of that.

Danny Glover: Sure.

Scott Neal: If the average person’s pulled over, whether it’s a, whether it’s a check … I don’t know what that’s called, when they’re doing a random check, just to see, I guess, if they’re trying to find someone who may be drinking and driving, or DUI testing and things. What are some of the rights that a person has that they may not know they have.

Scott Neal: I think it’s very intimidating. If you’re not in the legal field, you see the lights behind you. You get pulled over. Whatever the officer asks you to do, you do it, because you don’t wanna make it worse. And the average person just doesn’t know his or her rights.

Danny Glover: Right.

Scott Neal: So give us a little rundown, just a few of those things that might be helpful.

Danny Glover: Sure. Sure. And before I start, the preface to all of this is this is not about being dishonest or trying to trick the system, or trick the law enforcement officers.

Scott Neal: Sure.

Danny Glover: I have some very, very good friends who are law enforcement officers, and across the board, our law enforcement officers here do a great job. For years, I was the local Fraternal Order of Police attorney, and the Highway Patrol attorney here, and so …

Danny Glover: That does not eliminate the fact, though, that we have very important individual rights in America, and we should not be afraid of exercising them, and certainly should not be ignorant of them. But I think the most important right, on the criminal side, is the right to remain silent, and the right to say no.

Danny Glover: If an officer asks, “Can I search your car? Can I pat you down? Can I search your house?” You have every right to say no. That doesn’t mean you’re gonna stop the officer from doing it if that’s what he or she wants to do, but when you say no, and they do it anyway, and then you end up getting charged, and you go to court, then the burden’s on the officer to prove that they had probably cause to do that. Whereas if you say, “Yeah. Sure. I just wanna cooperate,” they don’t need probably cause. Your consent eliminates a lot of the defenses that you or your lawyer might have to helping your case.

Danny Glover: You don’t ever have to answer questions under any circumstances. And what a lot of people don’t realize is law enforcement officers have the ability, and oftentimes the right to misstate what’s going on to you, or to lead you to believe one thing, when that may or may not be true, and to put pressure on you to incriminate yourself, to confess, to tell on someone else, perhaps, to identify the location, perhaps, of something you shouldn’t have. And so that’s why it’s important that a person understand they don’t ever have to answer those questions, and it’s completely legal, and it is completely permissible, and it will not make the situation worse, if you simply say, “Thank you officer, but I’d rather not answer your questions.”

Scott Neal: That’s very interesting. So is that one of the reasons a police officer will ask, when you’re pulled over, “Do you have any idea why I pulled you over?”

Scott Neal: The reason I ask that is because I’ve talked with some people who, they had a registration that was expired, or they had something else with their car, and they just kinda admitted that in, “Do you have any idea why I pulled you over?” “Well, because my registration’s out,” which clued the officer into “I better check their tag,” when it was really, they didn’t give a turn signal, or they were speeding.

Scott Neal: I’m just wondering if that’s not kind of a baiting to get you to tell them more than what even they may know.

Danny Glover: Well, it’s that, and it’s to get you to confess to what they do know-

Scott Neal: Okay.

Danny Glover: … so that they don’t have to prove it.

Scott Neal: Got it.

Danny Glover: Certain things you are required to have been notified about, such as the revocation of a driver’s license. You know, now a common law enforcement technique is to follow you down the road with their laptop open, and they’re keying in your license plate. They’re seeing the status of your insurance, the status of your tags, who the owner is, whether that person has a valid license, and using any of that information to pull you over, maybe for those reasons, maybe to go on a fishing expedition for something else. Especially in certain parts of the state, if you meet certain racial profiles or other stereotypes.

Danny Glover: When you admit to knowing that your license was revoked, well now in court it’s real easy for them to prove that, instead of having to contact DMV, get a copy of the certified letter, whatever it is they got to do. I think it’s two-fold, the reason they ask that specific question.

Scott Neal: Yeah. That’s very interesting. I know I don’t know what I can do and can’t do. I think most of the time you’re just trying to comply and make the situation worse. There’s a level of nervousness there when someone obviously pulls you over and they’re the one in authority. I think that’s good, that’s why I enjoy those little tidbits of truth you put on Facebook.

Danny Glover: Well and on the injury side, I think there’s even more abuse of people and their … Not necessarily their rights because your constitutional rights and protections typically help you avoid prosecution, but insurance companies are in it to make a profit, and every dollar they can save on your claim is a dollar extra profit to them. They have highly specialized, highly trained adjusters to get you on the phone immediately after you’ve been hurt to try to use against you later to save a dollar. A lot of injuries don’t appear within a day of the wreck or at the scene of the wreck. So you might say, “Well I only …” They may say, “Tell me everything that you hurt.” You say, “Well I only hurt my knee.” Well lo and behold, you’ve got a blown disk in your back that you didn’t realize is from this wreck and you end up with two surgeries later.

Danny Glover: Then you try to make a claim for the back, and they play this recorded statement that, “Well you told us you only hurt your knee.” So I think it’s important that people understand that they should not be talking to an insurance company before or without a lawyer, because people who don’t work in that field day in and day out don’t see the big picture of where this thing is headed, and so they oftentimes shortchange themselves.

Scott Neal: So someone falls at work, they get an injury, I would assume if it’s filed a certain way they’re going to kind of get some of the letters sent, like you do if you get a speeding ticket, people are going, “Hey, let me help you. Let me help you.” The insurance company’s going to want to, you said highly trained people are going to call this person. The average person has no idea what’s going on, they’re just trying to be honest and answer questions. Your suggestion, immediately get an attorney, secure an attorney-

Danny Glover: Absolutely.

Scott Neal: … to protect you?

Danny Glover: Absolutely, because-

Scott Neal: Only do what he or she tells you to do.

Danny Glover: Because your ordinary Joe Blow who’s hurt has some immediate fears, you know?

Scott Neal: Right.

Danny Glover: How am I going to provide for myself and my family? Am I going to lose my job? Is my arm ever going to get better? So when the insurance company is saying, “Hey, we’re going to take care of all your bills and we’re going to pay for your time out of work.” That soothes those immediate fears. What people don’t know is unless you’re in the workers’ comp scenario, but in a car wreck, in a industrial accident, you’re entitled … The law says you’re entitled to a lot more than just your medical bills paid and your lost wages. So the insurance company preys on those fears that people have and then they get you to sign things, they get you to give away rights that you may not even have known about, and in the end, they keep that money and it goes into the profit margin.

Scott Neal: Danny, just in working obviously here at Forest Park with a lot of just common everyday people who are working who do not have an awareness of the law and their rights, what I find is there’s a sense of obviously an attorney’s expensive. “If I get an attorney involved I’m not going to have the money.” I assume they can do some level of just asking you some questions or someone who might tell them, “Yeah, you need to go further.” There’s some kind of consultation there to let the average person know if this is something they need an attorney to help them with, or is that correct for someone?

Danny Glover: It is. It is. Most consultations on the criminal side or the personal injury side are free. On the injury side, the lawyer typically only gets paid out of whatever recovery they get for you, so you’re not having to fund the attorney’s fees as you go through the case. The attorney works two or three years and then takes his fee on the backend. At least in my firm, I fund all of the litigation expenses as well. I just had a settlement a few weeks ago and I’ve got $20,000 of my own money in expenses. Now I’ll get that back out of the settlement, but if I’d put that burden on my client like some attorneys will, most clients can’t afford to pay that.

Scott Neal: No way.

Danny Glover: You have to make sure that you can afford to proceed or that your attorney can afford to proceed. You mentioned these mailers, now it’s gotten so high tech that a lot of your huge advertising firms in Charlotte, Raleigh, Richmond, they will send really high class looking DVDs and all sorts of stuff, bells and whistles, and super. They impressed me, I’m super impressed by them, but they’re not from here and they don’t know what a jury’s likely to do with a case here.

Scott Neal: The consultation as well, is not only helping the potential client to know whether or not they need to secure you, but it’s also you assessing whether or not that this is a case that you will take. In other words there’s probably some compensation at the end. If someone calls your office and gets a free consultation with you and you’re pretty confident that they need to secure you, that’s because with your experience and your years of working with hundreds of people, you know that they need help and there’s probably going to be some compensation at the end of this or you wouldn’t take it. Is that correct?

Danny Glover: That’s correct. I’m pretty selective about the cases that I take, and that’s why in the very beginning when I described my practice I said serious injuries, because quite frankly, the 4 and 5,000 dollar injury claims are just as much work as the $400,000 injury claim, and I can’t keep my doors open spending all my time for that little return. Frankly, when you’re talking about those really small cases, I can’t add much value to what my client can get for themselves. So in those scenarios, I like to educate people on how to handle those little claims themselves, how to deal with the insurance company, what tricks to expect, and-

Scott Neal: So you will assist someone even if it’s just a smaller injury, just to help them as a person?

Danny Glover: Yeah. You know, I leave the door open, “Call me if anything comes up that we’ve not discussed.” And people very rarely do. They seem to be appreciative of that. A lot of attorneys will take any case, and unfortunately unless you’re in one of the major injury firms with 50 to 100 lawyers in it, when you have attorneys taking all these small cases they get so bogged down that the little cases get pushed to the back and get neglected. I just am not comfortable working that way.

Scott Neal: That’s very helpful, Danny. Thank you for that. I’m hopeful people listening will take your advice to heart and follow the rights that they have, and make some phone calls if they need your assistance because I think that’s hugely helpful. I want to change direction just a little bit and ask you some little bit more personal questions about leadership, about growth, because obviously you’re very successful. You’ve had to go to school, get a great education, own your own business today. Looking across our landscape, some of the young people in colleges, high school, what are some of the barriers to personal growth you see? If you could stand in front of a classroom and say, “Guys, if you want to be successful, here’s some things you need to know. Here’s what I see as some of the things that slow you down.” Just some personal things that you would say to becoming the best they possibly can be.

Danny Glover: Fear.

Scott Neal: Okay.

Danny Glover: I think that’s the number one limiter to success. Being afraid to take a chance. Being afraid to succeed frankly. Especially in the legal field where every day you’re getting told you’re wrong, either by the prosecutor, and in our church here, Kim Planey’s a member. She is the chief prosecutor in Pasquotank County and an excellent felony prosecutor, but it’s her job to convict my clients. To do that she has to tell me why I’m wrong about things, or why my client was wrong. Insurance companies all day long telling me how I’m wrong about the value of this case. My clients telling me how I’m wrong because they don’t like what I’m hearing. That becomes, unless you keep it in the right perspective, that can lead to fear that maybe I am wrong, maybe I shouldn’t take that chance.

Danny Glover: When you back it up and talk about personal growth, I see a lot of people who talk about, “I have this idea,” or talk about, “I want to do this.” And they just never do because they’re scared to come out of their comfort zone. They’re scared to take a chance because they don’t want to fail. To me that’s the number one biggest limiter.

Scott Neal: Yeah. Now I would imagine, obviously correct me if I’m wrong, that it wasn’t up and to the right from the moment you went into college and to where you are today, you’ve obviously had some challenges along the way and you’ve had to face those fears and keep moving forward, correct?

Danny Glover: Well, yeah. I haven’t always done a really good job of that. Luckily my wife is one of the smartest, most intuitive people I know. She has had to kick me in the tail more than once to take steps that I was uncomfortable doing. I appreciate her for doing that. I saw both of my parents have to take hard steps. My mom had me when she was 18, my dad was 22, he was a drill instructor in the army, she was still at home in high school. They ended up getting married. I know that I interrupted my mom’s education plans and work plans, and when I was very young, three or four, my dad went into the ministry and we moved to Florida for him to go to bible school for several years. Then we moved to Texas for him to go to seminary for several years. Then we moved back to Kentucky where he had been ordained at the base town of Fort Knox.

Danny Glover: During that whole time my mom now had two kids and dad’s not working basically because he’s in school full-time, pastoring in small churches on the weekends. So she had to work and support us. Then once dad became a full-time pastor she was able to go back to school and become a nurse. By that time I’m graduating high school. So the whole time I was there I saw them making sacrifices and working hard, and they both become very, very successful. Mom ended up on the faculty at UNC Chapel Hill, at the medical facility there. Dad pastored for 25 years and then went into his own business doing business leadership training, working with the John Maxwell team, doing some personality insight stuff. It was not the typical way to get there, like I did, which is graduate, four years of college, three years of law school, take a job, work non-stop. They had it much more difficult than I did.

Scott Neal: You had amazing mentors in your life. I mean just the list on that story, that’s incredible what your mom and dad overcame. That’s great.

Danny Glover: Yeah, I’m proud of them.

Scott Neal: Yeah, absolutely. Well Danny, a little bit more personal than that, do you have any hobbies?

Danny Glover: I do, some I’m even willing to share with you.

Scott Neal: Sure.

Danny Glover: I love golf. I caught the bug probably six years ago.

Scott Neal: How often do you get a chance to play?

Danny Glover: Way too often.

Scott Neal: Oh yeah. Any chance you get, right?

Danny Glover: Any chance I get. My oldest son luckily got into golf too and playing high school golf, and so he and I were able to play a little bit. My youngest son, I just can’t get him motivated yet but I’m working on it. That just sort of came out of nowhere and I can’t explain how that happened but it did. Before that I raced bicycles with a couple of guys here, and we would train a couple of hundred miles a week. Then every weekend be South Carolina, Virginia, North Carolina, mountains, wherever, racing all weekend. That was 30 or 40 pounds ago.

Scott Neal: That’s great.

Danny Glover: Again, just competition.

Scott Neal: Let me ask you about golf. Do you have a particular favorite place you play golf, or maybe the best place you’ve ever played before? You’d love to go back and do it again?

Danny Glover: I love the Mid Pines and Pine Needles courses in Southern Pines. I have not traveled the world to play golf like a lot of golfers do. I’m a member here at what used to be the Pines, now it’s the YMCA facility. Just because it’s convenient and there’s a great group of guys there that we play with regularly. It’s the hardest thing I’ve ever done. I played college baseball, so to go from hitting 95 mile an hour fastballs and 90 mile an hour sliders to trying to hit a ball that’s just sitting there on a tee, it’s hard to imagine why it’s so hard.

Scott Neal: Daring you to hit it, right.

Danny Glover: Yeah.

Scott Neal: From what I, just speaking with other golfers, it’s just a constant competition with yourself, right?

Danny Glover: It is.

Scott Neal: You’re always trying to beat yourself from the last game and get the numbers down.

Danny Glover: If you keep it in perspective, yes. Unfortunately when you’re playing matches you … Poor golfers will get caught up in what their opponent’s doing and that’s about the worst thing you want to do.

Scott Neal: Right. It’s really not about the other person as much as it is you.

Danny Glover: Absolutely. You and the course.

Scott Neal: Yeah. A lot of people obviously listening … I shouldn’t say a lot, but a few people do not know you. I mean they’ve gotten to know you here in this interview, which is great, but what might be something they’d be surprised to know about you? Maybe something that you have that you enjoy? Maybe it’s reading or it’s particularly another hobby that they may just not know about. Just something interesting that they might be surprised, “Oh, I didn’t know that about Danny.”

Danny Glover: I think most people are surprised that Meredith married me. They can’t figure that out. I think people who really know me and who hang out with me a lot would be surprised at how much I do care about helping people, because I don’t come across as the soft, huggable, caring person. I’m very task oriented, I’m very into efficiency and productivity. A lot of people don’t realize that that’s, Gary Smalley would call it my love language, that’s how I serve, that’s how I help people, is by getting the things done that perhaps they can’t do themselves or don’t even know need to be done.

Scott Neal: Yeah, that’s interesting. Couple more questions on this. If you could have a meal with anybody, past or present, and just sit down with them and enjoy a meal, whether they’re living or whether they’ve passed on, who would that person be and why?

Danny Glover: You know, I would love to have eaten with Kennedy. He, despite all of the personal failures that have become the stuff of movies, he was very important to a lot of different aspects of our country when he was living. Not just the Cuba stuff, but the racial tensions that existed, and Dr. King, and there was a lot going on there that a lot of people don’t realize. I think that would’ve been very, very interesting to … Because he came from the kind of money up north, and the history of their money you wouldn’t tend to equate that with someone who was going to be so sensitive to the racial tensions in the south, but he was. You know, I hadn’t given that a whole lot of thought, but that’s the first thing that comes to mind.

Scott Neal: That’s a great answer. I would love to do the exact same thing. I find him a fascinating man, and what he did at his age and being able to confront the issues of our day at that time, a pivotal time in our nation’s history, and he handled it beautifully.

Danny Glover: Well especially with the overbearing father that he had. Joe was-

Scott Neal: To get out from underneath his shadow and be able to do his own thing, that’s amazing.

Danny Glover: Not only his shadow, but his … What drove him was not to be the helpful mender of society that President Kennedy turned out to try to be.

Scott Neal: That’s great. I didn’t ask you, you know, you may not have an answer to this, I just thought of it. Do you have a book or anything as far as Kennedy that you’ve read, or anything that you would … A documentary maybe you’ve watched that you’d encourage some other people to check out? How did you get to know about him and why is that interesting to you?

Danny Glover: I think most of my learning of him didn’t come from reading books, but came through things I have learned as part of the North Carolina Advocates for Justice. That organization has been very instrumental in helping attorneys who help the very needy, racial injustice, economic injustice, the people who can’t afford attorneys, the pro-bono work, and the public defender work. NCAJ has a bunch of attorneys who through the years have just been on the forefront of racial inequality, racial injustice, and listening to those people, reading what those people have written, I was surprised to keep seeing references to Kennedy because I had no idea.

Scott Neal: Yeah. That’s great. Well, on a much lighter note as we wrap this up, you’re a UNC fan.

Danny Glover: I am.

Scott Neal: Yeah. That was a hard game the other night.

Danny Glover: It felt like the national championship game from a couple of years ago. Of course Duke did and they just destroyed us, but the loss the game before that where we hit the last second, or was six seconds left to tie, tie in three from deep and then they went down and made almost a half court shot. That was brutal.

Scott Neal: Any thoughts on March Madness? What do you think’s going to happen?

Danny Glover: I love it. I think this year if Marvin Bagley plays the way he did against us last game, Duke’s going to be hard to handle because he is impossible to handle. If that light switch stays on for him, they’ll be a tough out. It’s hard to believe he should be in high school, you know? He reclassified and he should be a senior this year and he’s the best player in the country in my mind. Villanova is going to be a tough out. I don’t think Carolina gets past the second weekend. I don’t think we’ve-

Scott Neal: It’s hard to admit, huh?

Danny Glover: I don’t think we’ve got the big men this year necessary to do that.

Scott Neal: Kind of a rebuilding year and hopefully they’ll be back strong soon.

Danny Glover: I hope so.

Scott Neal: Yeah, good. Well Danny, how do people contact you? What do you encourage? Website, just give us a couple addresses or one. How does someone say, “Hey, I need to get some consultation here with Danny”?

Danny Glover: Sure. My website is www.dannygloverlawfirm.com. My email is more the same, danny@dannygloverlawfirm.com. Then you can message me on Facebook, or you can call me, our office is (252) 299-5300. Because of the way our voiceover IP stuff works you have to dial that area code even if you’re in town with me. Yeah, happy to talk to anyone.

Scott Neal: Even Duke fans?

Danny Glover: Even Duke fans. I’ll charge them a little bit extra.

Scott Neal: Got it. All right Danny, great to have you today. Thank you so much for being a part of this and answering all the different questions that I threw at you. It’s an honor to have you here and I’m hopeful that more people be exposed to you and you’ll be able to help some people who are facing maybe some personal injuries or whatever it is that they’re going through, so thanks again for being with us.

Danny Glover: I appreciate you having me.

Scott Neal: All right man, take care.

Speaker 3: Thank you for listening to the Imperfect Leader Podcast with Scott Neal. Remember, nothing succeeds like imperfection. Thank you for listening.

READ MORE: There really isn’t such a thing as an accident

Liability first and foremost applies to who is at fault in the wreck – Danny Glover NC Wreck Attorney

If you have a car and someone unrelated to you is driving it and they cause it a wreck, it’s possible that you could be held responsible depending on whether they are your employee, perhaps whether you knew they were drunk and still gave them your car, whether you knew they were a habitual reckless driver and you still gave them your car.

But ordinarily just because your name is on the title does not mean you are responsible for the wreck.

It may mean that your insurance company is responsible for the wreck, but that’s because your insurance company insures not only you, but anyone driving your vehicle with your permission.

So, talking about whether or not you’re liable versus your insurance company is liable are two completely separate things.

If you were injured in a car accident in Currituck NC or are looking for an NC injury lawyer, our law office is here to help with your personal injury claim. Seeking money damages for things like lost wages, medical bills, and permanent injuries for Outer Banks accident cases requires careful consideration of what happened on the scene of the wreck.

One of the more important things experienced personal injury lawyers do is determine fault. Who caused the wreck is key to NC injury law cases. That’s because NC accident cases can involve something called contributory negligence.

Not all cases involving semi-truck accidents or motorcycle collisions in North Carolina require a jury trial. In fact, most personal injury cases in North Carolina are “settled” without the need for litigation.

Car insurance companies in NC and insurance adjustors regularly deny claims for personal injuries in wreck cases. They know and understand the personal injury laws. If they think you were at all responsible for the wreck or that even in some small way contributed to causing the accident or your injuries, they will deny your claim.

What should I do if my car accident claim was denied by the North Carolina insurance adjustor?

While lawyers are not always required in NC wreck cases, it certainly doesn’t hurt to call an experienced personal injury lawyer in Currituck NC for legal advice. What some outer banks people don’t realize is that it doesn’t cost anything to talk to a car wreck lawyer.

We offer free legal advice about what we think about how the accident laws in North Carolina will affect and your accident case or claim for money damages. That’s right, even if you choose not to retain our law office for legal representation, you will not get a bill from us unless you chose to retain our legal services.

That’s because on NC accident cases, we work on what’s called a contingent legal fee basis.

Everything you tell us during the legal consultation is strictly confidential. We keep secrets. We don’t share what you tell us with anyone. That is called attorney-client privilege in North Carolina.

What do NC accident lawyers need to know?

Wreck cases in North Carolina can get really complicated really fast. One of the first steps of legal representation by a law office involves figuring out what actually happened. That means your personal injury attorney will want to:

• Gather evidence of the accident scene
• Determine what proof for NC legal claims exists
• Obtaining the law enforcement Accident Report
• Review records of EMP Emergency Medical Personnel
• Get copies of photographs, drawings, video and audio recordings

If you have questions like, “Do I have a case? Can I make a claim for damages in North Carolina for a wreck case,” we’re here to help.

Call NOW for FREE CONSULTATION 252-299-5300

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Sometimes more than one person can cause the wreck, sometimes 100% of the fault rests on one driver.

Determining who is legally liable for accident injuries in North Carolina requires careful review of the documentation of the wreck scene and causes of the NC accident case.

Establishing legal “liability” is one of the more important aspects of any personal injury law case in North Carolina. That’s because under the wreck laws of the state, there is something called contributory negligence.

Looking at who caused the wreck and who is responsible is one of my most important jobs as a car accident lawyer in North Carolina – Danny Glover, OBX Lawyer

Important considerations in NC wrecks cases:

• How fast were the vehicles traveling?
• Was anyone going above the posted speed limit?
• What were the roadway conditions?
• What were the weather conditions?
• Who had right-of-way?
• Were there proper stopping distances?

What should I do after a car accident in North Carolina?

Being involved in a serious collision is a big deal. As a law office that helps people in northeastern North Carolina with car wrecks, motorcycle injuries, and semi-truck collisions, we understand the trauma associated with an MVA or Motor Vehicle Accident.

After a wreck, people can respond differently. One of the more common emotions or reactions after almost any type of accident is disbelief. They “just can’t believe” he ran that light or failed to stop. We hear things like, “I looked right at her. She saw me. I don’t know how she didn’t slow down.”

How To Use Insurance When Injured In A Car Wreck?

Car accidents in North Carolina are generally not caused by people acting intentionally. They involve things like negligence, the failure to maintain proper lane control, and careless or reckless driving.

The vast majority of personal injury cases in NC happen because the at-fault motorist was not paying attention or failed to act responsibility. That almost always means someone was breaking the law when they hit you.

How people respond after an NC car wreck depends a lot on what happened on the scene. If you or your passengers were hurt, that may complicate things too.

The first thing to do is to make sure nothing worse happens. Secure the accident scene. Get people out of harm’s way. Once you are certain everyone is safe, then begin collecting evidence of the wreck – Danny Glover, Outer Banks Attorney

So in North Carolina, the at-fault driver and that driver’s insurance company are responsible to pay all of the damages, harms, and losses suffered by anyone hurt by that at driver’s negligence or carelessness. That may include things like medical bills, the costs of physical therapy, surgeries, prescriptions, pain and suffering, and property damage.

So when we talk about liability, we mean, who was responsible to pay the injured person or the injured people as a result of the wreck? Is it the person who caused the wreck? Is the insurance company liable? Who pays for damages after a motorcycle accident? Is it different for a truck accident or pedestrian injury?

Should I Call an OBX Accident Lawyer?

How do I protect my injury claims after a North Carolina car wreck? What should I do after an accident?

First, make sure someone has called 911 and reported the accident. That is especially true if there are injuries involved after the NC car wreck. Once that has been done, and after making sure everyone is OK, start collecting information if you are able.

Sometimes all that is possible is exchanging information; but, we recommend the following for the best results:

• Take out your phone and start taking pictures
• Video the scene
• Snap a shot of the other person’s documentation
  • North Carolina Driver’s License
  • Insurance Card
  • NC vehicle registration
• Ask other people involved in the wreck what happened
  • Get their information
  • Take a picture of their driver’s license
  • Record what they tell you

I’m Danny Glover, with the Glover Law Firm in Elizabeth City.

If you have any questions about your car wreck, give me a call, it’s completely free, it’s confidential, and I’ll be happy to talk. We help people with legal claims involving motorcycle accidents, semi truck accidents, and car accidents.

Serving people in the Outer Banks and “Inner Banks” in Northeastern North Carolina, it’s our honor and pleasure to help with accident injury claims in Kill Devils Hills NC, Manteo, North Carolina, Elizabeth City, Kitty Hawk, Nags Head, and Carolla.

Call Now for Free Consultation 252-299-5300

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• What are the differences between a company car claim and personal car insurance claim?
• Do I need different insurance if I drive a company car?
• Who is liable? Who pays for damages?
• Can more than one person be responsible for a car accident?
• Can more than one insurance company pay for an NC wreck case?

If you were driving a company car and had a wreck in North Carolina, it’s important to immediately collect evidence and document things like the accident scene, roadway conditions, vehicle damages, witness contact information, proof of insurance coverage, and insurance policy numbers.

Your NC Outer Banks accident attorney will want to make sure you document things by taking pictures, ensuring you have good contact information, and otherwise protect your claim for damages. If you were in a car wreck and driving a company car, you should NOT assume they’ll handle everything.

That is especially true if the company car is self insured or under a North Carolina insurance policy. If you were hurt in a NC wreck and another person caused the personal injury it may be possible to make a “third party claim” for money damages. A lot of people hurt in an OBX wreck case ask: How much is my wreck case worth?

LEARN MORE: What Should I Do At the Scene Of A Wreck

If you’re hurt in a Outer Banks car wreck and you’re in your company car, nothing really changes about your ability to recover your damages from the at-fault person.

But being in the company car will oftentimes add extra layers of insurance coverage that will help protect you and make sure that you are fully compensated for all your losses.

Sometimes there may also be claims under the North Carolina Workers’ Compensation Laws. There is no such thing as an accident when it comes to a car wreck case.

I’m Danny Glover with the Glover Law Firm. I am an OBX auto accident lawyer who helps people with different legal issues in Currituck County, Elizabeth City, Kitty Hawk, Corolla, Nags Head and Hatteras.

If you have any questions about your Manteo car wreck or need an outer banks lawyer give me a call. When can help explain things about filing a lawsuit and handling personal injury matters in NC via arbitration.

It’s completely free. We will give you free advice about what we think is the best way to move forward with your car wreck case.

It’s confidential. I’ll be happy to talk to you.

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• What type of damages are considered statutory?
• How do I file for these damages?
• Is there anything that is not covered?
• What can you recover as part of a NC wreck case?

Statutory damages include medical bills, lost income, pain and suffering, that would be past, present and future, scarring, future wage loss.

The first step in any NC accident case to is get healthy. We want to make sure clients seek immediate medical treatment. It doesn’t matter if it involves a car wreck, motorcycle accident or some other life-changing traumatic event involving a semi-truck or tractor trailer.

The key is this: Focus on getting appropriate medical care as soon as possible.

Lawyers experienced handling accident cases in North Carolina understand the importance of collecting information and preserving evidence. That means your attorney will want to review medical records, accident reports, and witness statements at the scene of the accident.

We want to make absolutely certain evidence of the wreck is preserved for future use at trial and even for making an insurance claim – Danny Glover

If you have been injured in north-eastern North Carolina, we are here to help. Danny Glover is an experienced car wreck attorney who helps people in Currituck County NC and other places like Elizabeth City, the Outer Banks, Corolla, Kitty Hawk, and Nags Head.

Those are the things that the law allows you to recover money for to balance out the harms and losses that you suffered in the wreck and those are called damages.

Call Now for a Free Consultation 1-(252)-299-5300

What Do Statutory Damages Include? 1705K

• What is my case worth?
• How will I find out how much my settlement will be?
• Can I ask for my damages?
• How are damages calculated for a wreck in NC?

You are entitled to compensation for all losses attributed to the wreck. That may include medical expenses, lost wages, and money damages – Danny Glover

If you or a loved one has been injured in a Currituck County car wreck case, it makes sense to talk to a lawyer. Experienced accident attorneys can help you understand how to recover:

• Lost Wages
• Medical Bills
• Accident Expenses
• Personal Property Recovery
• Compensation for Permanent Injuries
• Restitution for Scarring and Disfigurement

It can be tough to answer “How much is my car wreck case worth” because I don’t know how the wreck happened.

The first thing experienced lawyers do is gather information.

I don’t know if you share in any part of the fault. I don’t know how much your medical bills are.

I don’t know what your injuries are. I don’t know what your recovery time is going to be.

I don’t know how much your lost income is. Were you left with scarring?

Will this cause permanent injury or damage to any part of your body?

I have to know all of those things before we can ever begin discussing what your case might be worth.

Once you have a chance to meet with a NC wreck attorney you will better understand how to properly file for a claim. Sometimes litigation is necessary for an auto accident. . .but most often matters are settled prior to reaching trial in court.

At the Glover Law Firm, we like to sit down with you. We want to understand your case, what is important to you, and give you advice on what we think is the best way to move forward.

That involves collecting evidence, reviewing accident reports from the scene, consulting with police officers, witnesses, and preparing a demand package for the insurance carrier.

Many if not most NC wreck cases in Currituck County are settled without having to go to court. That may include going through mediation or arbitration in North Carolina.

There really is no such thing as an accident. Wrecks are caused because someone wasn’t doing the right thing – Danny Glover

Then of course we have to look at what part of the state you’re in because some counties give higher verdicts than other counties and we have to look at what insurance company you’re dealing with.

LEARN MORE: NO SUCH THING AS AN ACCIDENT

Some companies can be more reasonable at times.

Other insurance companies are never reasonable and are going to low-ball you and fight you tooth and nail until the end.

Call Now for Free Consultation (252)-299-5300

• What is the difference between Arbitration and a Jury Trial?
• How is arbitration decided?
• Is arbitration a good thing or a bad thing?
• Is it required or “binding”
• Do I need a lawyer for arbitration in North Carolina??

Arbitration is an alternative to trial, and it is less formal and more abbreviated – Danny Glover, NC Accident Injury Lawyer

Arbitration in North Carolina: What is it?

Arbitration and “Binding Arbitration” is something we are seeing with more frequency in North Carolina, especially involving cases where people have agreed to the methodology of settling a claim.

That is sometimes done by contract. Arbitration is not required to be binding; but, companies often put provisions in contracts and agreements regarding arbitration. And often, they set things up to their advantage.

Binding Arbitration basically means there really isn’t an appeal. If you’ve agreed to binding arbitration, it’s very difficult, if not impossible to appeal that ruling.

North Carolina has legal provisions in the North Carolina General Statutes for Arbitration. Those can be found in: Article 45C of the Statutes. It’s referred to as the Revised Uniform Arbitration Act.

NC Arbitration Laws

Is Arbitration Required in North Carolina Courts?

Yes and No.

IF the Court Orders Arbitration in North Carolina, you are required to participate; but, Arbitration is not always available in every county or Judicial District in North Carolina. We provide legal representation to people throughout northeastern NC and the Outer Banks.

Here are the general rules about NC Arbitration:

• Counties that HAVE Court Ordered Arbitration
• Required in Every Civil Case
  • Involving a Claim for $15,000 or less
• Required after Small Claims Court
  • If appealed
  • Involving Claims for Money
  • IF the Court decides the case is Subject to Arbitration
  • When the Magistrate’s Order / Ruling is appealed

What is the purpose of Court Ordered Arbitration in North Carolina?

More than anything, it helps people get a good idea of the value of the case or claims.

In North Carolina Arbitrations are handled by Lawyers specifically trained in the process of dispute settlement and mediation. While mediation is a legal term, the point is for people to work through or “mediate” their disputes.

Arbitration is different from Mediation. Arbitration is more like litigation, where there is a formal presentation of materials and decision. It is purposely intended to be more informal; but, that does not mean the effects of Arbitration are any different than the traditional process of civil litigation, discovery, and lawsuits.

Wrongful Death Claims NC

An Arbitrator is a neutral Court official in North Carolina.

The Arbitration Hearing is in some ways like a trial. Each side to a dispute has the opportunity to tell their side of the story. Like a Jury Trial in North Carolina, each side is allowed to present evidence at an Arbitration.

They can also call witnesses and introduce documents for consideration.

Like a Judge or a Jury Trial in North Carolina, a decision is made. Normally that would be called a Verdict.

Whether it is a called a Jury Verdict or Ruling doesn’t much matter. There is a formal decision made.

Applying North Carolina Laws, a decision is made that determines “who won” and “who lost” in the dispute.

It’s important to realize Arbitration is just as important as traditional forms of litigation in North Carolina – Danny Glover, OBX Attorney

If you’re looking for an Outer Banks Car Accident Lawyer, Danny Glover is available for consultation. He’s experienced helping people with Car Accident Injuries, Semi-Truck Fatalities, and other catastrophic losses associated with negligence.

Currituck County Lawyer Danny Glover offers a FREE, initial consultation on Outer Banks Wreck cases.

Call NOW for a confidential consultation.

Modified Transcript of “What is Arbitration” for the Hearing Impaired

Arbitration is more formal than mediation but less formal than trial, and there is one neutral person hired and paid for by all the different sides to the lawsuit.

Instead of a judge or a jury deciding your case, the arbitrator actually listens to the evidence typically in a more informal abbreviated way and then rules in the case.

Typically, the decision of the arbitrator is binding, meaning neither side can appeal. Sometimes arbitrators are retired judges, sometimes they are practicing attorneys, and sometimes they are simply professional arbitrators such as in construction cases.

Basically, arbitration is an alternative to trial, and it is less formal and more abbreviated.

I’m Danny Glover with the Glover Law Firm. If you have any questions about your car wreck, give me a call. It’s completely free. It’s confidential. I’ll be happy to talk to you.

Our law firm provides a FREE CASE EVALUATION for legal matters involving car accident cases, boating accidents, 18 wheeler accidents, catastrophic loss, and wrongful death claims.

• How long will the trial last?
• Will I need to testify?
• Are there extra costs incurred?
• Do I have any other options?
• Why won’t the Insurance Company pay my claim?

Taking a case to Court is one option available to an experienced lawyer. The key is knowing when to negotiate and when to fight – Danny Glover

Why would a case go to trial?

Sometimes cases “go to trial” because they have to, not because the person hurt wants to argue in Court. In fact, most people just want to get what’s fair, settle-up, and move on with their lives.

Unfortunately, that’s not always how things work.

Contrary to people might think, the system isn’t always fair. As an attorney experienced handling Wreck and Accident cases involving cars, motorcycles, and even bicycles, it’s not usual to have a conversation with a client, where occasionally harsh realities, are exposed about the Personal Injury system.

We hear things like, “Wait, they caused the wreck. No one disputes that. Why are they fighting the claim? Why are they saying I did something wrong? I’m not asking for a bunch of money, I just want my bills paid. I want my car fixed. Why are they being this way?”

Here’s the hard truth: Insurance Companies make money by settling claims for less than they are worth. In fact, they make the most money when they pay nothing.

If people were always treated fairly by the carriers, I wouldn’t have a job. People wouldn’t need a lawyer – Danny Glover

Obviously there are always two sides to a story. There are times when reasonable minds can disagree.

Wrecks can be caused by the fault of several people. In North Carolina, we have some pretty tough laws regarding that.

We remain one of the few states in the country that rigidly applies the Contributory Negligence doctrine.

If you are involved in a wreck, you will find out very quickly how important that legal term is. “Contrib” is more than just a term lawyers use in Court.

MORE INFO: What to Do After You’ve Been In a Traffic Accident this Holiday Season

It has consequences.

If you are deemed, “Contributorily Negligent” in a wreck you get nothing. Zero.

Even if the other person is 99% at fault and you did one, minor, thing wrong, you get nothing.

Doesn’t seem very fair, does it?

Who does that benefit? The Insurance Companies. That’s because in most circumstances, it’s the Insurance Company paying the claim, NOT the person who caused the wreck.

It’s possible for the Defendant to be “sued individually,” and in cases where the amount of insurance coverage isn’t enough, they may be personally liable.

But as lawyers, we are not even allowed to mention, in court, that there is insurance or an insurance company involved.

Again, that may not seem very fair; but, that’s the law in North Carolina.

As such, a decent number of cases go to trial to determine just that. Who was at fault? Was there Contributory Negligence?

Jurors are asked things like:

• What the Defendant negligent?
• Did the Defendant cause the accident?
• Was Defendant’s negligence the reason for the wreck?
• Were the Plaintiff’s Injuries and Damages a result of the wreck?
• Was the Plaintiff responsible, even in part, for the accident?

Lawyers use terms like “direct” or “proximate cause” in trials.

Modified Transcript of “How Long Does It Take to go to Trial” for the Hearing Impaired

It depends on what part of the state you’re in. In Northeastern North Carolina, we’re very rural and our courts don’t meet nearly as often as they do in Raleigh or Charlotte.

In Elizabeth City, Manteo, Currituck, Chowan County, it typically takes somewhere between a year and two years for the entire litigation process to work its way through.

That would include written discovery, depositions, mediation, medical depositions, and then eventually, you get to a point where the case is ready for trial. Then you wait your turn.

So, a year to two years, but remember that a settlement can be reached at any point during that process.

I’m Danny Glover with the Glover Law Firm. If you have any questions about your car wreck, give me call. It’s completely free. It’s confidential. I’ll be happy to talk to you. (252) 299-5300