Frisco Uninsured Car Accident Lawyer

Despite laws requiring motorists to carry minimum levels of liability insurance, many people continue to drive without insurance. This practice puts these individuals at risk of financial losses, but when they cause accidents that lead to others suffering injuries and property damages, they also put others at risk. A Frisco uninsured car accident lawyer may be able to advise you of your options for recovering much-needed compensation for your losses.

Even when drivers do carry the minimum requirements for motor vehicle liability insurance by law, they still may not have adequate coverage for all the expenses that an accident involving catastrophic injuries may require. This can lead to personal injury claims over and above and what insurance coverage is available. A car wreck lawyer may be able to present your alternatives and help you decide the best course of actions for your situation.

Uninsured and Underinsured Motorist Laws in Frisco

Texas law requires individuals to purchase minimal motor vehicle liability insurance to protect others. If individuals are at fault for causing an accident, the liability insurance helps compensate other parties who suffer bodily injuries or property damage as a result of the crash. The state minimum levels of liability insurance, known as 30/60/25, are $30,000 for personal injury, $60,000 for the accident, and $25,000 for property damage.

Although drivers who maintain this minimum coverage are complying with the law, this level of insurance coverage does not protect others whom they may cause injuries to in an accident. A single devastating crash that results in severe injuries easily may exceed these minimum levels of insurance coverage. When insurance coverage is insufficient to cover a personal injury claim, individuals may be able to sue drivers for their expenses beyond those that the insurance policy covers.

As a result, drivers may wish to carry uninsured or underinsured motorist insurance coverage (UIM). Although UIM policies can be costly, these policies can provide much-needed supplemental coverage when individuals sustain catastrophic injuries in a crash with uninsured or underinsured drivers or in hit-and-run accidents. As an uninsured car accident lawyer in Frisco may attest, these insurance policies cover not only drivers, but anyone authorized to drive their vehicles, as well as family members and passengers in their cars.

Steps to Take Following a Car Crash

Individuals should take essential steps to protect their rights to compensation following car accidents when they involve uninsured or underinsured drivers. As quickly as practicable, persons in these crashes should:

  • Notify police and later obtain a copy of the police report
  • Get the contact information for the other driver and any witnesses
  • Take photographs of the scene and make a written account of the events that occurred, along with the date, time, and weather conditions
  • Contact their insurance company

Following these steps, individuals strongly should consider contacting an uninsured car accident attorney in Frisco for advice. All too often, insurance companies deny even their policyholders from coverage under UIM policies. Although there is no requirement that injury victims exhaust the insurance policies of others before making claims under their policies, insurance companies often are still reluctant to pay out more than they absolutely must, regardless of the circumstances.

Delaying and denying payouts on claims, even for their customers, is precisely what insurance companies are likely to try to do, no matter how legally appropriate claims may be. They often work hard to avoid paying minimal levels to protect their bottom line. As a result, individuals may need aggressive legal representation to obtain the full amount of compensation to which they are entitled.

A Frisco Uninsured Car Accident Attorney May Be Able to Help

You may have various options available to you if you are injured or suffer property damage in a car accident with uninsured or underinsured motorists. From claiming benefits under your insurance policy to suing the uninsured driver or attempting to hold third parties liable for their fault in the accident, you still may be able to collect the full amount of compensation for your losses. A Frisco uninsured car accident lawyer may be able to provide you with the guidance that you need in this situation.

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The McCraw Law Group
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Zane Allen
Zane Allen
04:39 18 Dec 19
I was in an accident in March and had injuries resulting from the crash. Obviously my first call was to a doctor to get... checked out but was told I was going to need physical therapy. My second call was to the McCraw Law Group. They took care of all of the grunt work so that all I had to focus on was getting better. They were very communicative about the process, and better yet, they were incredibly responsive to any emails, calls, and questions. I was very appreciative and thankful for all of their hard work. They are a great group of people to work with when you’re needing the help.read more
Elisa Dean
Elisa Dean
15:38 16 Dec 19
I recommend The Mccraw Law Group to anyone who is hurt in an accident.My experience has been wonderful. They do the... best they can to get the most from the insurance company. My communications have been with Vanessa, Suzanne and Jason.Jason is very special to me. He understood my needs and was very caring and the sweetest attorney I have ever met. He was honest and did everything he could to bring my case to a conclusion.Vanessa and Suzanne are very sweet and are there to help every step of the way.read more
Fernando Salas
Fernando Salas
19:07 10 Dec 19
First time needing a lawyer. Everything went extremely smooth and quick. Mr. McCraw went to my house after my car wreck... and I knew at that point that I was in good hands. Everyone who works there are so nice and will answer any questions or concerns you have. Thank you guys for all of your help.read more
Adelyn Braswell
Adelyn Braswell
17:02 10 Dec 19
When me and my family recently got hit by a drunk driver. They helped us with everything we needed. We had so many... questions and didn’t hesitate to answer. It was our first time with any lawyer so they made everything so easy for us, and got it all done so quick. They did everything in their power to get us all the money we deserved. They were all so friendly and I would recommend them to anyone.read more
Courtney Brooks
Courtney Brooks
16:12 12 Sep 19
I had a wonderful experience from beginning to end with the McCraw Law Group. My case was accepted and I was kept up to... date on how it was proceeding, and when it came to a settlement, we got more than expected. Everyone was very kind, the court proceedings went smoothly and I was extremely satisfied. I will definitely use them again if anything else arises.read more
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