McKinney Personal Injury Protection Coverage

The idea of being involved in a car accident is not pleasant, but it is an outcome individuals are recommended to be prepared for. McKinney personal injury protection coverage could offer a person the ability to safeguard themselves from the financial burdens of a car collision. For more information about personal protection coverage and how it could benefit you, reach out to a dedicated and knowledgeable car accident lawyer.

What is Personal Injury Protection Coverage and is it Required in McKinney?

Personal injury protection coverage is a form of insurance that individuals could buy for their own vehicle. While a person is statutorily required to have a minimum of $2,500 PIP in Texas, it is recommended that they buy more. If a driver decides to reject PIP, they are required to sign off saying that they do not wish to be covered. Insurance companies may attempt to sell Med Pro medical protection in lieu of PIP.

Medical protection is subject to subrogation, which makes it subject to be paid back if they have a claim against a third party. Any amount that a person pays in Med Pro could reduce what they get from the third-party since the amount rewarded by the medical protection policy is typically paid back to the injured party’s carrier from at fault carrier. This may reduce the injured party’s net recovery.

Since PIP is not subject to subrogation, it does not have to be paid back to the insurance company. McKinney personal injury protection coverage is one of the many policies that lawyers attempt to coordinate with when evaluating a personal injury claim. It is important to know that PIP benefits usually do not reduce the injured party’s net recovery.

PIP Coverage Impact on a Car Accident Case

No matter the cause of the car wreck, personal injury protection coverage in McKinney usually does not impact the third-party coverage in any way. Instead, it is considered a collateral source of recovery, which is something that the defendants cannot make a claim against.

Without PIP coverage, individuals may not have the funds they need for the initial medical treatment in the immediate aftermath of the accident while the claim is being processed. Without PIP or health insurance, the injured party may be forced to rely on letters of protection to seek treatment. Personal injury protection coverage is an essential source of funds an individual may need if they are involved in a wreck.

Important Information About PIP Coverage

PIP coverage is a first-party coverage which individuals could buy from their insurance company. The insurance carriers typically have different duties to individuals than they do to the third-party.  If the insurance company is not treating an individual in good faith and denies that PIP claim, this could be an actionable case even in relatively small amounts of money. The Texas insurance code carries with it the potential for damages and attorney’s fees.

How McKinney Lawyers Could help a Person Recover After a Car Accident

McKinney lawyers could help individuals understand PIP coverage by fully evaluating all of the potential sources of recovery available. Also, a lawyer could help maximize an injured individual’s maximum recovery. Speak to a knowledgeable lawyer today for more information about McKinney personal injury protection coverage.

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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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