No-Fault Insurance Benefits for Out-of-State Motorcyclists in McKinney

Interpreting insurance coverage and benefits can be complicated under any circumstances, but especially if you are involved in an accident while outside your state of residence. These kinds of accidents can make it difficult to know what you may or may not be entitled to, at a time when you need your insurance to support you the most.

Under these circumstances, there is often no substitute for the advice and expertise of a local professional who has dealt with issues like this before. A seasoned attorney could provide all the answers you may need about no-fault insurance benefits for out-of-state motorcyclists in McKinney.

No-Fault Benefits Through PIP

The no-fault benefits that would stay the same between states for motorcycle operators are typically personal injury protection (PIP) policies. Texas is a state with a small mandatory PIP, but many other states—especially those that are no-fault states—will have larger PIP policies that take the place of big third-party policies.

For instance, New Jersey has very high PIP requirements, and it is not uncommon to see million-dollar PIP policies that have come out of New Jersey. In that case, a New Jersey resident injured out of state could make a PIP claim directly against their own carrier up to the amount of their injuries for their PIP, since their coverage does carry with them.

Also, if they have bought any additional excess coverage like any underinsured/uninsured motorist coverage, that would travel with them. Liability policy can be varied in this regard, but if their liability policies are equal to or greater than the state mandatory minimum, then they travel with them.

Different Mandatory Minimum Coverages Between States

If their policies in one state are not as high as the state mandatory minimum where an accident occurred, things may get more complicated. For example, Florida has a minimum of $10,000 or $15,000, but they have relatively small liability minimum limits.

In states with smaller than $30,000 minimum limits, the insurance carriers—in exchange for the right to do business in Texas—have typically ordained to give the person that additional coverage when they cross the state line. In other words, if their state only maintains a minimum $10,000 third-party coverage, Texas state law mandates that that policy is essentially written up to a minimum $30,000 policy if they drive through the state. This is a way to enforce additional coverage for people who drive into the state.

For most carriers, this is not a big deal because most of the big carriers are going to write in all 50 states, so they understand that when someone goes from state to state they keep the amount of coverage that they bought. But if there are higher mandatory minimums than the amounts they bought, their coverage is written up to that amount. That is just part of the business of doing insurance, and the insurance companies know that, and they price even their smaller policies accordingly.

Discuss Out-of-State No-Fault Insurance Benefits with a Lawyer in McKinney

How your insurance policy might address an accident you get into while out of state can vary a lot depending on the company and your specific situation. If you want to ensure your physical and financial security following a wreck, it may benefit you to understand exactly what variations may apply in your case. Discussing no-fault insurance benefits with a McKinney lawyer who knows how out-of-state drivers should approach their cases is often a good way to mend any gaps in your knowledge. Call now.

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The McCraw Law Group
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Mary Thompson
Mary Thompson
20:51 25 Feb 20
From the very first meeting with the McCraw Law Group we were treated with respect and care. They were so helpful is... trying to speed things up. We all know that when you have a lawsuit against some one there will be problems. This group of lawyers were very attentive and knew how to get what we needed. I will call them again if anything comes up that I need a more
Michael Taylor
Michael Taylor
19:46 12 Feb 20
McCraw Law Group is an exceptional firm and I could not ask for more than what I received with their services. All of... their staff, from the clerks to the attorneys, were extremely helpful and caring and constantly asked me if I needed anything or if I had any questions or concerns. If you need to have someone on your side and trust them to have your best interests in mind, I would place that trust in The McCraw Law Group.Would I recommend them to my friends and family? I would without a doubt.Would I like to have them on the other side of a courtroom and going against them? Absolutely Not.To the staff that handled my case, I greatly appreciate all of your work and the result speaks for itself. Thank you!read more
Justin Hansen
Justin Hansen
12:29 07 Feb 20
The staff at the McCraw law group are second to none. They are intelligent and hard working people that will do their... best to make sure you are set to recover physically, emotionally, and financially from any injury. Thank you so much!!read more
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 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 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 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 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 more
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McKinney Motorcycle Laws for Out-of-State Visitors