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Straight Answers

Frequently Asked Questions

Eighteen honest answers to the questions injured Texans ask most — about cases, insurers, deadlines, and what working with us actually looks like. When these run out, the free 24/7 line never does.

General

General Questions

Do I have a personal injury case?

If someone else's carelessness — a driver, a business, a property owner, an employer's contractor — caused your injury, you likely have a claim. The honest way to know is a free consultation: bring us the facts, and you'll get a straight answer in about twenty minutes, including “no” if that's the truth.

How much does it cost to hire McKay Law?

Nothing out of pocket, ever. Consultations are free, we advance every case cost — filing fees, experts, records — and our fee is a percentage of what we recover for you. No recovery, no fee. We even handle your property damage claim at no fee alongside the injury case.

How long do I have to file a claim in Texas?

Generally two years from the injury, but shorter clocks hide everywhere: governmental defendants can require formal notice in as little as 45 days, and evidence — video, vehicles, witnesses — disappears in days. Treat the two-year statute as the last possible date, never the target.

What is my case worth?

Every honest answer starts the same way: it depends on your medical picture, and settling before your prognosis is known means settling blind. Value includes all medical care past and future, lost income and earning capacity, pain and suffering, impairment, and disfigurement — calculated from evidence, not an adjuster's software.

How long will my case take?

Straightforward claims often resolve in months; contested or catastrophic cases take longer because building full value takes time. The biggest driver is your medical recovery — we don't settle before your condition is understood, because that's when insurers get bargains.

Will my case go to trial?

Most don't — precisely because we prepare every serious case as if it will. Insurers pay full value when the alternative is facing a firm with real verdicts in front of a jury. If trial becomes the right move, you'll be ready and so will we; the decision to settle always remains yours.

Insurance

Insurance Questions

Should I talk to the other side's insurance company?

No. Their early calls exist to lock in recorded statements and cheap settlements before you know what your claim is worth. Take a name, agree to nothing, and route them to us — once we appear, they legally deal with us, not you.

The insurance company already offered me money. Should I take it?

Not before a free case review. First offers are priced before your diagnosis is complete and typically represent a fraction of full value — our $2.8 million recovery began as a $75,000 offer. Once you sign a release, the claim is over forever.

What if the person who hit me has no insurance?

Your own uninsured/underinsured motorist (UM/UIM) coverage steps in — protection you've already paid premiums for. We handle UM/UIM claims constantly, including when your own carrier suddenly starts acting like an opponent.

The adjuster wants a recorded statement and my medical records. Is that normal?

It's normal for them to ask and normal for us to refuse. Recorded statements become impeachment material; blanket medical authorizations let them mine decades of history for “pre-existing condition” arguments. Everything they legitimately need, we provide — on our terms.

After an Accident

After an Accident Questions

What should I do right after a crash?

Health first: get evaluated even if you feel “mostly fine” — adrenaline hides injuries. Then: ensure police document the wreck, photograph everything, collect witness names, say nothing to insurers, and don't repair or release your vehicle until it's documented. Then call us — the free consultation ends with a plan.

I didn't feel hurt at the scene, but now I'm in pain. Is it too late?

No — delayed-onset injuries are the norm, not the exception. Get medical care now and tell the provider about the crash so the record connects your symptoms to it. The gap is an insurer argument we answer routinely; untreated injuries are the only unfixable mistake.

Should I post about my accident on social media?

No — assume every post, photo, and check-in will be read by defense counsel looking for anything to twist. Set accounts private, post nothing about the crash, your injuries, or your activities, and let us do the talking.

The police report has mistakes. Can it be fixed?

Often, yes — officers correct factual errors, and supplements can be filed. Even when a report can't be changed, it isn't the final word on fault: reconstruction, cameras, and witnesses routinely overcome checkbox mistakes. Bring it to us before assuming it decides anything.

Working With McKay Law

Working With McKay Law Questions

Do I have to come to an office?

Never. Home, hospital, and video consultations serve every corner of Texas, and cases run start to finish remotely when that's easier. Eight offices — Sulphur Springs, Greenville, Dallas, Tyler, Houston, San Antonio, Austin, El Paso — are there whenever visiting helps.

Do you handle cases in Spanish?

Completely — consultations, documents, negotiations, everything, through (903) ABOGADA · (903) 226-4232. Nosotros hablamos español, and your case never gets routed through translation.

What makes McKay Law different?

The stack: results insurers already know ($6,000,000 at the top), a Rapid Response team working evidence while it exists, a staff nurse coordinating your treatment, no-fee property damage help, direct attorney access, and a district judge's own endorsement — he hired us for his case and called the firm “legal excellence.”

What happens in the free consultation?

You tell us what happened in plain language; we ask what matters — injuries, treatment, insurers, evidence — and give you an honest read: what your claim involves, what deadlines apply, and what we'd do first. You leave with a plan whether or not you hire us. 24/7: (903) INJURED.

Didn't Find Your Question?

Every case is its own set of facts, and the fastest answer is a human one: call (903) INJURED any hour, or start with our glossary of legal terms, video library, and claim timeline.

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