Uninsured Motorist Coverage in McKinney

In McKinney, underinsured/uninsured motorist coverage is first-party insurance an individual gets to protect themselves in the event they are harmed by a person who has no, or not enough, insurance. Underinsured motorist coverage in Texas is mandatory, but it can be waived if a person signs off saying they do not want that insurance. Otherwise, a qualified motorcycle accident attorney could help you navigate the rules governing uninsured motorist coverage in McKinney and determine how it might impact your case.

The Basics of Uninsured Motorist Coverage in McKinney

In Texas, the mandatory minimum insurance coverages required by state law are $30,000 for bodily injury per individual, with an upper limit of $60,000 per wreck. That means the mandatory minimum will pay up to $30,000 in the event someone is injured by somebody else’s negligence if they have that type of coverage.

Approximately half of the drivers in Texas do not have any liability insurance, even though the state mandates it. What that means is that in a wreck, there is about a 50-50 chance that a person involved in an accident does not have any liability insurance coverage.  In some parts of the state, the odds are much higher.

In this situation, underinsured/uninsured motorist coverage would provide an accident victim with coverage when somebody else is at fault for harming them. .

A person can run up $30,000 worth of medical bills very quickly after a motorcycle wreck. If someone is going to commute on a motorcycle, it is crucial that they buy enough underinsured/uninsured motorist coverage to provide themselves with coverage in the event the person who hit them does not have any or does not have enough.  Given the severe nature of many motorcycle injuries, it is important that a motorcyclist buy more insurance coverage than the minimum limits when possible.

Challenges of Uninsured Motorist Coverage

In many states, UIM coverage will provide up to the limit of the coverage, but the amount of liability coverage reduces the amount of underinsured/uninsured motorist coverage. For example, if someone has $100,000 of UIM coverage and $30,000 of liability coverage, in some other states, the liability coverage would cover the first $30,000, and then the person’s underinsured/uninsured motorist coverage would cover the next $70,000 for a total of $100,000 coverage.

Texas state law does not handle underinsured/uninsured motorist coverage this way. If someone had a $30,000 liability policy and $130,000 to $150,000 worth of loss, they could collect their $30,000 from the third party and then the full $100,000 from their underinsured motorist carrier.

However, there is one caveat to pursuing these claims with motorcyclists, and that is because of a vagary in Texas law. For a motorcyclist to make a claim and recover for underinsured/uninsured motorist coverage, there actually must be an impact with the underinsured/uninsured motorist vehicle.

If a motorcyclist must put their bike on the ground to avoid a wreck, and avoids the wreck but harms themselves in putting the bike on the ground, there may be no underinsured/uninsured motorist carrier coverage. Also, if any motorist takes evasive action to avoid a wreck that is caused by a third party and is involved in a single-vehicle wreck, they may have no underinsured/uninsured motorist coverage.

In short, underinsured/uninsured motorist coverage in McKinney can be tricky. It is important that drivers have this coverage, but it can be very tricky in knowing when it applies and when it does not.

Talk to an Attorney about McKinney Underinsured Motorist Coverage

After a motorcycle wreck, you may have a lot of questions and concerns about how your insurance could help you recover for your losses. If you get in an accident with someone who lacks sufficient insurance, you are not completely out of luck, but you may need to talk to a lawyer to determine exactly what your options may be. Call today to discuss uninsured motorist coverage in McKinney with a qualified legal professional.

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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 lawyer.read 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 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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