Motor Vehicle Accident Lawyers in Charlotte, Texas – Attorney911 Fights for You

If you’ve been injured in a motor vehicle accident in Charlotte, Texas, you’re not alone. Every 57 seconds, another crash occurs on Texas roads, and many of these accidents leave victims facing overwhelming medical bills, lost wages, and long-term physical and emotional challenges. At Attorney911, we understand the devastation a car crash can bring to your life. Our team of experienced motor vehicle accident lawyers is here to fight for your rights and help you secure the compensation you deserve.

Founded by Ralph Manginello, who has over 25 years of legal experience, our firm has recovered millions of dollars for accident victims across Texas. We know the tactics insurance companies use to minimize or deny claims, and we’re prepared to counter them with our insider knowledge and aggressive legal strategies. If you’ve been hurt in Charlotte, Atascosa County, or anywhere in South Texas, call our legal emergency line at 1-888-ATTY-911 for a free consultation.

Why Charlotte, Texas, Sees So Many Motor Vehicle Accidents

Charlotte and Atascosa County are no strangers to motor vehicle accidents. With major highways like U.S. Route 281 and State Highway 97 running through the area, the risk of collisions—especially involving commercial vehicles—is significant. In 2024 alone, Texas saw over 251,977 people injured in motor vehicle crashes, with one person injured every two minutes and five seconds. Whether you were involved in a rear-end collision on Highway 281, a drunk driving accident near downtown Charlotte, or a truck crash on a rural road, the aftermath can be life-altering.

At Attorney911, we’ve seen firsthand how these accidents impact families in our community. From minor fender benders to catastrophic crashes, we’ve handled cases of all sizes and complexities. Our deep understanding of Texas motor vehicle laws and our commitment to personalized legal representation make us the trusted choice for accident victims in Charlotte and beyond.

The Attorney911 Difference: Why We’re the Right Choice for Your Case

When you’re recovering from an accident, the last thing you need is a law firm that treats you like just another case number. At Attorney911, we prioritize personal attention, clear communication, and aggressive advocacy. Here’s what sets us apart:

1. Insurance Defense Insider Knowledge

Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for national insurance companies. Lupe knows their tactics inside and out—how they value claims, the strategies they use to deny or lowball settlements, and the tricks they employ to shift blame onto victims. Now, he uses that knowledge to fight for you. As Lupe explains:

“I’ve reviewed hundreds of surveillance videos and social media posts as a defense attorney. Here’s the truth: Insurance companies take innocent activity out of context. They freeze one frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after. They’re not documenting your life—they’re building ammunition against you.”

This insider perspective is invaluable in building a strong case and maximizing your compensation.

2. Multi-Million Dollar Results

We don’t just talk about results—we deliver them. Attorney911 has recovered millions of dollars for clients in cases just like yours. For example:

We secured a multi-million dollar settlement for a client who suffered a brain injury with vision loss after a log dropped on him at a logging company.
In another case, our client’s leg was injured in a car accident, and complications during treatment led to a partial amputation. This case settled in the millions.
We’ve helped families facing trucking-related wrongful death cases recover millions of dollars in compensation.

Our track record speaks for itself, and we’re ready to fight for the best possible outcome in your case.

3. Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas, which gives us the ability to handle complex cases that may require federal litigation. This includes trucking accidents governed by federal regulations, product liability claims, and cases involving out-of-state defendants. Our experience in federal court ensures that we’re prepared to take your case to trial if necessary.

4. Personal Attention from Start to Finish

At Attorney911, you won’t be passed off to a case manager or paralegal. You’ll work directly with Ralph Manginello and Lupe Peña, who will guide you through every step of the legal process. Our clients consistently praise our communication and dedication. As one client, Chad Harris, shared:

“You are NOT a pest to them and you are NOT just some client… You are FAMILY to them.”

Another client, Stephanie Hernandez, said:

“When I felt I had no hope or direction, Leonor reached out to me… She took all the weight of my worries off my shoulders.”

5. No Fee Unless We Win

We understand that the financial burden of an accident can be overwhelming. That’s why we work on a contingency fee basis—you pay nothing unless we win your case. There are no upfront costs, and we advance all case expenses, so you can focus on your recovery without worrying about legal fees.

Common Types of Motor Vehicle Accidents in Charlotte, Texas

Motor vehicle accidents can happen in many ways, and each type of crash presents unique challenges. At Attorney911, we have experience handling all types of motor vehicle accident cases, including:

1. Car Accidents

Car accidents are the most common type of motor vehicle crash in Texas, and they can result in a wide range of injuries, from minor cuts and bruises to life-altering conditions like traumatic brain injuries (TBI) and spinal cord damage. In 2024, Texas saw 251,977 people injured in car crashes, with one crash occurring every 57 seconds.

Common Causes of Car Accidents in Charlotte:

Distracted driving (texting, phone use, eating)
Speeding and reckless driving
Failure to yield the right of way
Running red lights or stop signs
Driving under the influence (DUI) of alcohol or drugs
Fatigue or drowsy driving
Poor road conditions or weather-related hazards

Common Injuries in Car Accidents:

Whiplash and soft tissue injuries
Herniated or bulging discs
Broken bones and fractures
Traumatic brain injuries (TBI)
Spinal cord injuries
Internal organ damage
Psychological trauma, including PTSD

Why You Need an Attorney:
Insurance companies often try to minimize the severity of car accident injuries, especially soft tissue injuries like whiplash. They may argue that your injuries are pre-existing or that you’re exaggerating your symptoms. At Attorney911, we know how to counter these tactics and fight for the full compensation you deserve.

Case Result:

“In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions.”

2. 18-Wheeler and Trucking Accidents

Trucking accidents are among the most devastating types of motor vehicle crashes due to the sheer size and weight of commercial trucks. In Texas, 39,393 commercial motor vehicle crashes occurred in 2024, resulting in 608 fatalities and 1,601 serious injuries. Texas accounts for 11% of all fatal truck crashes nationwide, making it one of the most dangerous states for trucking accidents.

Why Trucking Accidents Are So Dangerous:

Size and Weight: A fully loaded 18-wheeler can weigh up to 80,000 pounds, compared to the average passenger car, which weighs around 4,000 pounds. This size disparity means that trucking accidents often result in catastrophic injuries or fatalities.
Federal Regulations: The trucking industry is governed by strict federal regulations, including Hours of Service (HOS) rules, which limit how long drivers can operate their vehicles without rest. Violations of these rules can lead to driver fatigue and increased accident risk.
Multiple Liable Parties: In trucking accidents, multiple parties may share liability, including the truck driver, the trucking company, the cargo loader, and even the manufacturer of the truck or its parts. This complexity makes trucking accident cases more challenging to navigate.

Common Causes of Trucking Accidents:

Driver fatigue (violations of HOS rules)
Distracted driving (phone use, eating, or other distractions)
Speeding or reckless driving
Improper loading or overloaded cargo
Mechanical failures (brake failure, tire blowouts)
Poor weather or road conditions
Inadequate driver training or supervision

Common Injuries in Trucking Accidents:

Traumatic brain injuries (TBI)
Spinal cord injuries and paralysis
Amputations
Broken bones and fractures
Internal organ damage
Severe burns (in cases involving hazardous materials)
Wrongful death

Why You Need an Attorney:
Trucking companies and their insurers have teams of lawyers working to protect their interests. They may try to shift blame onto you or argue that your injuries aren’t as severe as you claim. At Attorney911, we have the experience and resources to investigate trucking accidents thoroughly, identify all liable parties, and hold them accountable.

Federal Regulations We Enforce:

Hours of Service (HOS): Drivers are limited to 11 hours of driving after 10 consecutive hours off-duty and cannot drive beyond the 14th consecutive hour on duty.
Electronic Logging Devices (ELDs): Trucks are required to use ELDs to track driving hours, ensuring compliance with HOS rules.
Drug and Alcohol Testing: Commercial drivers are subject to pre-employment, random, post-accident, and reasonable suspicion drug testing.
Driver Qualifications: Drivers must be at least 21 years old for interstate travel and hold a Commercial Driver’s License (CDL).

Case Result:

“At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.”

3. Drunk Driving Accidents

Drunk driving is a leading cause of motor vehicle accidents in Texas. In 2024, 1,053 people were killed in alcohol-impaired driving crashes, accounting for 25.37% of all traffic fatalities in the state. Drunk driving accidents are entirely preventable, and the consequences can be devastating for victims and their families.

Texas Dram Shop Law (TABC § 2.02):
Under Texas law, bars, restaurants, and other establishments that serve alcohol can be held liable for drunk driving accidents if they served alcohol to an obviously intoxicated person who then caused an accident. This is known as dram shop liability, and it allows victims to seek compensation from the establishment in addition to the drunk driver.

Signs of Obvious Intoxication:

Slurred speech
Bloodshot or glassy eyes
Unsteady gait or stumbling
Impaired coordination
Aggressive or erratic behavior
Strong odor of alcohol

Why You Need an Attorney:
Drunk driving cases often involve punitive damages, which are awarded to punish the defendant for gross negligence or malice. Additionally, dram shop cases can be complex, requiring evidence that the establishment knew or should have known the patron was intoxicated. At Attorney911, we have the experience to investigate these cases thoroughly and hold all responsible parties accountable.

Case Result:
Our firm has successfully handled numerous drunk driving cases, including those involving dram shop liability. We’ve recovered millions of dollars for clients injured by drunk drivers and the establishments that over-served them.

4. Motorcycle Accidents

Motorcycle accidents are particularly dangerous due to the lack of protection for riders. In 2024, 585 motorcyclists were killed in Texas, and 37% of those killed were not wearing helmets. Motorcycle accidents often result in severe injuries, including traumatic brain injuries, spinal cord damage, and road rash.

Texas Helmet Law:

Riders under 21 years old are required to wear a helmet.
Riders 21 and older may ride without a helmet if they have completed a motorcycle safety course or have $10,000 or more in medical insurance coverage.

Common Causes of Motorcycle Accidents:

Failure to yield the right of way (the most common cause)
Driver inattention or distraction
Unsafe lane changes
Left-turn accidents (T-bone or head-on collisions)
Speeding or reckless driving
Poor road conditions (potholes, debris)

Why You Need an Attorney:
Insurance companies often try to blame motorcyclists for accidents, arguing that they were speeding or not paying attention. Texas’s 51% comparative fault rule means that if you’re found to be 51% or more at fault, you won’t recover any compensation. At Attorney911, we know how to counter these arguments and fight for your rights.

5. Pedestrian Accidents

Pedestrian accidents are tragically common in Texas, with 6,095 pedestrian crashes occurring in 2024, resulting in 768 fatalities. Pedestrians are particularly vulnerable because they have no protection against the force of a vehicle. In fact, pedestrians account for 1% of all crashes but 19% of all roadway deaths.

Critical Legal Point:
Under Texas law, pedestrians always have the right-of-way at intersections, even if there is no marked crosswalk. Many drivers don’t realize this, which can lead to devastating accidents.

Common Causes of Pedestrian Accidents:

Driver inattention or distraction
Failure to yield the right of way
Speeding or reckless driving
Drunk or impaired driving
Poor visibility (especially at night)
Left-turn accidents

Common Injuries in Pedestrian Accidents:

Traumatic brain injuries (TBI)
Spinal cord injuries and paralysis
Broken pelvis and legs
Internal organ damage
Fatalities

Why You Need an Attorney:
Pedestrian accident cases can be complex, especially when liability is disputed. Insurance companies may argue that the pedestrian was at fault for crossing outside a crosswalk or not paying attention. At Attorney911, we know how to gather evidence, including witness statements and surveillance footage, to prove the driver’s negligence.

6. Rideshare Accidents (Uber/Lyft)

Rideshare accidents have become increasingly common as services like Uber and Lyft continue to grow. In 2024, there were 11 billion rideshare trips in the U.S., and accidents involving rideshare vehicles can be particularly complex due to the multiple insurance policies involved.

Rideshare Insurance Phases:
Rideshare drivers are covered by different insurance policies depending on their status at the time of the accident:

Phase	Driver Status	Coverage Available
0 (Offline)	App off, personal use	Personal insurance only ($30,000/$60,000/$25,000 minimum in Texas)
1 (Waiting)	App on, no ride request	Contingent coverage: $50,000/$100,000/$25,000
2 (Accepted)	Ride accepted, en route to pickup	Full commercial: $1,000,000 liability
3 (Transporting)	Passenger in vehicle	Full commercial: $1,000,000 liability

Why This Matters:
The insurance coverage available depends on what the driver was doing at the time of the accident. This complexity can make it difficult to determine which policy applies and how much compensation you’re entitled to. At Attorney911, we have the experience to navigate these complexities and maximize your recovery.

Who Can Be Injured in a Rideshare Accident:

21% of victims are riders (passengers in the rideshare vehicle)
21% of victims are drivers (the rideshare driver themselves)
58% of victims are third parties (other drivers, pedestrians, or passengers in other vehicles)

Why You Need an Attorney:
Rideshare companies like Uber and Lyft have teams of lawyers working to protect their interests. They may try to minimize your injuries or argue that the driver wasn’t at fault. At Attorney911, we know how to investigate rideshare accidents, identify the correct insurance policies, and fight for the compensation you deserve.

7. Hit and Run Accidents

Hit and run accidents are particularly frustrating because the at-fault driver flees the scene, leaving you to deal with the aftermath alone. In Texas, hit and run is a serious crime, with penalties ranging from misdemeanors to felonies depending on the severity of the accident.

Texas Penalties for Hit and Run (Texas Transportation Code § 550.021):

Severity	Charge	Penalty
Death	2nd Degree Felony	2-20 years in prison, up to $10,000 fine
Serious Bodily Injury	3rd Degree Felony	2-10 years in prison, up to $10,000 fine
Minor Injury	State Jail Felony	Up to 5 years in jail, up to $5,000 fine
Property Damage ≥$200	Class B Misdemeanor	Up to 6 months in jail, up to $2,000 fine

How to Recover Compensation After a Hit and Run:
If the at-fault driver is never identified, you can still recover compensation through your Uninsured Motorist (UM) coverage. UM coverage is part of your auto insurance policy and pays for your injuries and damages when the at-fault driver is uninsured or unidentified.

Why You Need an Attorney:
Hit and run cases can be complex, especially when it comes to proving the at-fault driver’s negligence. At Attorney911, we know how to investigate these cases, gather evidence, and work with your insurance company to maximize your UM coverage.

8. Tesla and Autonomous Vehicle Accidents

Autonomous vehicles, including Tesla models with Autopilot and Full Self-Driving (FSD) features, have been involved in numerous accidents, some of which have resulted in fatalities. These cases can be particularly complex due to the involvement of advanced technology and multiple liable parties.

Notable Tesla Autopilot Crashes:

May 2016 (Williston, FL): A Tesla Model S crashed into a white 18-wheeler while on Autopilot, killing the driver. The Autopilot system failed to detect the truck.
March 2018 (Mountain View, CA): An Apple engineer was killed when his Tesla Model X crashed into a highway barrier while on Autopilot. The case settled in April 2024.
August 2025 (Miami, FL): A $240 million jury verdict was awarded against Tesla in a case involving a fatal Autopilot crash. This landmark verdict highlights the growing accountability for autonomous vehicle manufacturers.

Key Liability Arguments in Tesla Accidents:

Misleading Marketing: Tesla has marketed Autopilot and FSD as safer than human drivers, which may have fostered overconfidence in drivers.
Known Defects: Tesla has been aware of defects in its Autopilot system, including its inability to detect emergency vehicles.
Over-the-Air (OTA) Updates: Instead of issuing comprehensive recalls, Tesla has relied on OTA software updates to address safety issues, which may not be sufficient.
Driver Overreliance: Tesla’s marketing may have encouraged drivers to rely too heavily on Autopilot, leading to accidents when the system fails.

Why You Need an Attorney:
Autonomous vehicle accidents involve complex legal and technical issues. At Attorney911, we have the experience to investigate these cases thoroughly, work with experts in vehicle technology, and hold manufacturers accountable for their products’ failures.

What to Do After a Motor Vehicle Accident in Charlotte, Texas

The moments after a motor vehicle accident can be chaotic and overwhelming. Knowing what to do—and what not to do—can make a significant difference in the outcome of your case. Follow these steps to protect your rights and preserve evidence:

Within the First 24 Hours:

Call 911: Report the accident and request medical assistance if anyone is injured. Even if you feel fine, adrenaline can mask injuries, so it’s important to get checked out by a medical professional.
Document the Scene: Take photos and videos of the accident scene, including:
- Vehicle damage (from all angles)
- Injuries (visible cuts, bruises, or other trauma)
- Road conditions (skid marks, debris, traffic signals)
- Weather conditions (if relevant)
Exchange Information: Collect the following information from the other driver(s):
- Name, phone number, and address
- Driver’s license number
- Insurance company and policy number
- Vehicle make, model, color, and license plate number
Gather Witness Information: If there are witnesses, ask for their names and contact information. Their statements can be invaluable in proving liability.
Avoid Admitting Fault: Do not apologize or admit fault at the scene. Stick to the facts and avoid speculating about what happened.
Call Attorney911: Before speaking to any insurance company, call our legal emergency line at 1-888-ATTY-911. We’ll guide you through the next steps and ensure your rights are protected.

Within 48 Hours:

Preserve Evidence: Save all photos, videos, and notes from the accident. Do not delete anything from your phone or social media accounts.
Seek Medical Attention: Even if you feel fine, some injuries, like traumatic brain injuries or internal bleeding, may not show symptoms immediately. Follow up with your primary care physician or a specialist.
Keep Records: Save all medical records, bills, and receipts related to the accident. This includes:
- Emergency room records
- Doctor’s notes and treatment plans
- Prescription receipts
- Receipts for medical equipment (crutches, braces, etc.)
Notify Your Insurance Company: Report the accident to your insurance company, but do not give a recorded statement without consulting an attorney.
Do Not Sign Anything: Insurance companies may try to get you to sign a release or accept a quick settlement. Do not sign anything without consulting an attorney first.

Within the First Week:

Follow Your Doctor’s Orders: Attend all follow-up appointments and follow your doctor’s treatment plan. Gaps in treatment can be used against you by insurance companies.
Keep a Journal: Document your pain levels, symptoms, and how the accident has impacted your daily life. This can be valuable evidence for your case.
Avoid Social Media: Do not post about the accident, your injuries, or your activities on social media. Insurance companies monitor social media accounts for evidence to use against you.
Consult an Attorney: If you haven’t already, contact Attorney911 for a free consultation. We’ll review your case, explain your options, and help you take the next steps.

How Attorney911 Investigates Your Case

At Attorney911, we leave no stone unturned when investigating your motor vehicle accident. Our goal is to gather as much evidence as possible to build a strong case and maximize your compensation. Here’s what we do:

1. Send Preservation Letters

Within 24 hours of being retained, we send preservation letters to all relevant parties, including:

The other driver’s insurance company
The trucking company (if applicable)
Businesses near the accident scene (to preserve surveillance footage)
Employers (to preserve employment records)
Government entities (to preserve traffic camera footage)

These letters legally require the recipients to preserve evidence that might otherwise be deleted.

2. Gather Physical Evidence

We collect and analyze all physical evidence from the accident, including:

Vehicle damage photographs
Skid marks and road debris
Traffic signal timing and road conditions
Weather reports from the time of the accident

3. Obtain Electronic Evidence

Modern vehicles and commercial trucks are equipped with electronic data recorders that can provide critical evidence. We obtain:

Electronic Logging Device (ELD) data from commercial trucks (shows driver hours, speed, and braking)
Event Data Recorder (EDR) or “black box” data from passenger vehicles (shows speed, braking, and seatbelt use)
GPS and telematics data (shows vehicle location and movement)
Cell phone records (to prove distracted driving)
Surveillance footage from nearby businesses, traffic cameras, and doorbell cameras

4. Interview Witnesses

Witness statements can be crucial in proving liability. We interview:

Eyewitnesses to the accident
First responders (police, EMTs)
Medical professionals who treated you
Accident reconstruction experts

5. Work with Medical Experts

We collaborate with medical experts to document the full extent of your injuries and their long-term impact. This includes:

Reviewing your medical records
Consulting with specialists (neurologists, orthopedists, etc.)
Obtaining life care plans for catastrophic injuries
Estimating future medical costs

6. Analyze Insurance Policies

We review all relevant insurance policies to identify all potential sources of compensation, including:

The at-fault driver’s liability insurance
Your own Uninsured/Underinsured Motorist (UM/UIM) coverage
Commercial insurance policies (for trucking or rideshare accidents)
Umbrella policies (additional coverage beyond standard limits)

7. Reconstruct the Accident

In complex cases, we work with accident reconstruction experts to determine:

How the accident occurred
Who was at fault
The speed and angle of impact
Whether the vehicles’ safety features worked properly

How Insurance Companies Try to Minimize Your Claim

Insurance companies are in the business of making money, not paying out claims. They use a variety of tactics to minimize or deny your claim, often leaving victims with far less compensation than they deserve. At Attorney911, we know these tactics because Lupe Peña used them for years while working for insurance companies. Here’s what they’ll try to do—and how we counter it:

1. Quick Settlement Offers (The “Quick Cash” Trap)

What They Do: Within days or weeks of your accident, the insurance company may offer you a quick settlement, often for a fraction of what your case is worth. They’ll create artificial urgency, saying things like:

“This offer expires in 48 hours.”
“We can only approve this amount right now.”
“Take it or leave it.”

Why It’s a Trap: Early settlement offers are almost always lowball offers designed to take advantage of your financial desperation. Once you sign a release, you cannot reopen your claim, even if your injuries worsen or require additional treatment.

How We Counter It:
We never accept a quick settlement. We wait until you’ve reached Maximum Medical Improvement (MMI), which is the point at which your injuries have stabilized and we can accurately assess their long-term impact. We know how to negotiate with insurance companies to secure a fair settlement that covers all your damages.

2. Recorded Statements (The “Friendly Adjuster” Trap)

What They Do: The insurance adjuster will call you within days of the accident, often while you’re still in the hospital or recovering at home. They’ll sound friendly and concerned, saying things like:

“We just want to help you.”
“We need your side of the story to process your claim.”
“This is routine—everyone does it.”

What They’re Really Doing: They’re trying to get you to say something that can be used against you. They’ll ask leading questions designed to minimize your injuries or shift blame onto you, such as:

“You’re feeling better now, though, right?”
“It wasn’t that bad of an impact, was it?”
“Were you distracted at all?”

How We Counter It:
We never let our clients give recorded statements without legal representation. Once you hire Attorney911, we handle all communication with the insurance company. We prepare you thoroughly if a statement is absolutely necessary, and we’re present during the interview to protect your rights.

3. Independent Medical Exams (The “IME Doctor” Scheme)

What They Call It: “Independent Medical Examination” (IME)

What It Really Is: A biased medical exam conducted by a doctor hired by the insurance company to minimize your injuries.

How It Works:

The insurance company schedules an IME with a doctor of their choosing.
The IME doctor conducts a 10-15 minute exam (compared to the hours your treating doctor spends with you).
The IME doctor reviews your medical records superficially (if at all).
The IME doctor writes a report minimizing your injuries, often claiming:
- “Your injuries are pre-existing.”
- “Your treatment has been excessive.”
- “You can return to full-duty work.”

How We Counter It:

We prepare you thoroughly for the IME, explaining what to expect and how to respond.
We send your complete medical records to the IME doctor in advance, forcing them to review your history.
We challenge biased IME reports with our own medical experts.
Lupe Peña knows these doctors—he hired many of them during his time as an insurance defense attorney. He knows their biases and how to counter their findings.

4. Delay, Deny, Defend (The “Financial Pressure” Tactic)

What They Do: Insurance companies drag out your case for months or even years, hoping you’ll become desperate and accept a lowball settlement. They’ll say things like:

“We’re still investigating your claim.”
“We’re waiting for medical records.”
“We need more information.”

Why It Works: While the insurance company has unlimited time and resources, you’re facing:

Mounting medical bills
Lost wages from missed work
Financial pressure from creditors
Emotional stress from the uncertainty

How We Counter It:

We file a lawsuit to force the insurance company to act.
We set depositions, forcing them to produce witnesses and evidence.
We prepare for trial, showing the insurance company we’re serious.
We negotiate aggressively, using our knowledge of their delay tactics to push for a fair settlement.

5. Surveillance (The “Gotcha” Tactic)

What They Do: Insurance companies hire private investigators to follow you and record your daily activities. They’re looking for any evidence that contradicts your injury claims, such as:

Videos of you lifting heavy objects
Photos of you engaging in physical activities
Social media posts showing you “having fun”

What They’re Really Doing: They’re taking one moment out of context to argue that you’re not really injured. For example:

A video of you bending over to pick up a child might be used to claim you’re not disabled.
A photo of you smiling at a family gathering might be used to argue you’re not in pain.

How We Counter It:

We warn you about surveillance and how to avoid it.
We explain the importance of consistency—if you’re claiming a back injury, don’t post videos of yourself lifting weights.
We challenge surveillance evidence in court, showing the full context of your activities.
Lupe Peña has reviewed hundreds of surveillance videos—he knows how insurance companies manipulate them.

6. Comparative Fault Arguments (The “Blame the Victim” Tactic)

What They Do: Insurance companies try to shift blame onto you to reduce their payout. They’ll argue:

“You were speeding.”
“You weren’t paying attention.”
“You could have avoided the accident.”
“You contributed to the crash.”

Why It Matters: Texas uses the 51% comparative fault rule, which means:

If you’re 50% or less at fault, you can recover damages (reduced by your percentage of fault).
If you’re 51% or more at fault, you recover nothing.

How We Counter It:

We gather evidence to prove the other driver’s fault, including:
- Witness statements
- Police reports
- Accident reconstruction reports
- Surveillance footage
We challenge their arguments with expert testimony.
Lupe Peña knows these tactics—he used them for years as an insurance defense attorney. Now, he knows how to defeat them.

7. Colossus: The Software That Undervalues Your Claim

What It Is: Colossus is a computerized claim valuation system used by major insurance companies like Allstate, State Farm, and Liberty Mutual. It calculates the “value” of your claim based on algorithms, not fairness.

How It Works:

The adjuster inputs injury codes, treatment types, and costs into Colossus.
The software applies pre-programmed algorithms to determine a settlement range.
The adjuster uses this range as the basis for their offer.

How Insurance Companies Manipulate Colossus:

Low Injury Codes: They use the lowest possible injury code to minimize your claim. For example, they might code a herniated disc as a “soft tissue strain.”
Excessive Treatment Flags: They flag your treatment as “excessive” if it exceeds their pre-set limits.
Pre-Existing Condition Reductions: They reduce your claim value if you have any prior injuries or conditions.
Jurisdiction Factors: They input your location to adjust the value based on local jury verdict trends.

How We Counter It:

Lupe Peña knows Colossus inside and out—he used it for years as an insurance defense attorney.
We present your medical records in a way that triggers higher injury codes.
We document the severity of your injuries to justify higher multipliers.
We prepare for trial, showing the insurance company we’re not afraid to go to court if they lowball us.

Types of Compensation You Can Recover

If you’ve been injured in a motor vehicle accident, you may be entitled to compensation for a wide range of damages. At Attorney911, we fight to recover every dollar you deserve, including:

1. Economic Damages (No Cap in Texas)

Economic damages are the quantifiable financial losses you’ve suffered as a result of the accident. These include:

Damage Type	What It Covers
Medical Expenses (Past)	Emergency room visits, hospital stays, surgeries, doctor’s appointments, physical therapy, medications, medical equipment (crutches, braces, wheelchairs), and home modifications.
Medical Expenses (Future)	Ongoing treatment, future surgeries, long-term care, and lifetime medications.
Lost Wages (Past)	Income lost from the date of the accident to the present due to missed work.
Lost Earning Capacity (Future)	Reduced ability to earn income in the future due to permanent injuries or disabilities.
Property Damage	Repair or replacement of your vehicle and any personal property damaged in the accident (phones, laptops, clothing, etc.).
Out-of-Pocket Expenses	Transportation to medical appointments, home modifications, household help, and other expenses related to your recovery.

2. Non-Economic Damages (No Cap in Texas, Except Medical Malpractice)

Non-economic damages compensate you for the intangible losses you’ve suffered as a result of the accident. These include:

Damage Type	What It Covers
Pain and Suffering	Physical pain from your injuries, both past and future. This includes chronic pain, discomfort, and limitations on your daily activities.
Mental Anguish	Emotional distress, anxiety, depression, fear, and PTSD resulting from the accident.
Physical Impairment	Loss of physical function, disability, or limitations on your ability to perform daily activities.
Disfigurement	Scarring, permanent visible injuries, or changes to your appearance that affect your self-esteem and quality of life.
Loss of Consortium	The impact of the accident on your marriage or family relationships, including loss of companionship, affection, and intimacy.
Loss of Enjoyment of Life	Inability to participate in activities you previously enjoyed, such as hobbies, sports, or social events.

3. Punitive Damages (Capped in Texas)

Punitive damages are awarded in cases involving gross negligence, fraud, or malice to punish the defendant and deter similar conduct. In Texas, punitive damages are capped at the greater of:

$200,000, OR
2x economic damages + 1x non-economic damages (capped at $750,000 for the non-economic portion).

Common Situations for Punitive Damages:

Drunk driving accidents
Hit and run accidents
Reckless or intentional misconduct
Gross negligence (e.g., a trucking company knowingly allowing a fatigued driver to operate a vehicle)

How We Calculate the Value of Your Case

At Attorney911, we use several methods to calculate the value of your case and ensure you receive fair compensation. Here’s how we do it:

1. The Multiplier Method

The multiplier method is the most common way to calculate pain and suffering damages. It involves:

Adding up your economic damages (medical bills, lost wages, property damage).
Multiplying that total by a multiplier (typically between 1.5 and 5) to determine your pain and suffering damages.

Example:

Economic damages: $100,000
Multiplier: 3
Pain and suffering: $300,000
Total settlement: $400,000

Factors That Increase the Multiplier:

Permanent injuries or disabilities
Severe pain and suffering
Clear liability (the other driver is 100% at fault)
Egregious conduct by the defendant (e.g., drunk driving)
Sympathetic plaintiff (e.g., a child or elderly victim)

Factors That Decrease the Multiplier:

Minor injuries with quick recovery
Disputed liability (comparative fault)
Gaps in medical treatment
Pre-existing conditions

2. The Per Diem Method

The per diem method assigns a daily dollar amount to your pain and suffering, based on the number of days you’ve suffered. For example:

Daily rate: $200
Number of days in pain: 365
Pain and suffering: $73,000

This method is less common but can be useful in cases with clear, measurable pain periods.

3. Life Care Plans (For Catastrophic Injuries)

In cases involving permanent disabilities or lifelong care needs, we work with life care planners to estimate the lifetime cost of your care. This includes:

Future medical expenses
Home modifications
Assistive devices (wheelchairs, prosthetics)
In-home care or nursing services
Lost earning capacity

Example:
For a client with a spinal cord injury, a life care plan might estimate $5 million in lifetime care costs.

4. Comparable Verdicts and Settlements

We research recent verdicts and settlements in similar cases to determine a fair value for your claim. For example:

A herniated disc case with surgery might settle for $300,000-$500,000.
A traumatic brain injury case might settle for $1 million-$5 million.
A wrongful death case might settle for $2 million-$10 million.

Common Injuries and Their Impact on Your Case

Motor vehicle accidents can cause a wide range of injuries, from minor cuts and bruises to life-altering conditions. The severity of your injuries plays a significant role in determining the value of your case. Here’s a breakdown of common injuries and their impact:

1. Traumatic Brain Injury (TBI)

What It Is: A TBI occurs when a sudden trauma causes damage to the brain. TBIs can range from mild concussions to severe brain damage resulting in permanent disability.

Symptoms:

Headaches
Dizziness and nausea
Memory loss
Confusion and disorientation
Mood swings and personality changes
Vision or hearing loss
Seizures

Long-Term Impact:

Chronic Traumatic Encephalopathy (CTE): A progressive brain disease linked to repeated head trauma.
Post-Concussive Syndrome: Symptoms like headaches and dizziness that last for months or years.
Cognitive Impairment: Difficulty with memory, concentration, and problem-solving.
Increased Dementia Risk: A single moderate TBI doubles the risk of dementia later in life.

Case Value:

Mild TBI (concussion): $50,000-$150,000
Moderate TBI: $300,000-$1 million
Severe TBI: $1 million-$10 million+

Attorney911 Case Result:

“Multi-million dollar settlement for client who suffered brain injury with vision loss when log dropped on him at logging company.”

2. Spinal Cord Injury and Paralysis

What It Is: Damage to the spinal cord can result in partial or complete paralysis, depending on the location and severity of the injury.

Types of Paralysis:

Quadriplegia (Tetraplegia): Paralysis of all four limbs, often requiring 24/7 care.
Paraplegia: Paralysis of the lower body, including the legs.

Long-Term Impact:

Lifetime Care Costs: The cost of care for a spinal cord injury can range from $2.5 million to $13 million over a lifetime.
Secondary Complications: Pressure sores, respiratory infections, and depression are common.
Loss of Independence: Many victims require assistive devices, home modifications, and in-home care.

Case Value:

Paraplegia: $2.5 million-$5 million
Quadriplegia: $5 million-$15 million+

3. Herniated or Bulging Discs

What It Is: A herniated disc occurs when the soft center of a spinal disc pushes through a crack in the outer layer, pressing on nearby nerves. This can cause severe pain, numbness, and weakness.

Treatment Options:

Conservative Treatment: Physical therapy, chiropractic care, and pain management.
Epidural Steroid Injections: To reduce inflammation and pain.
Surgery: Microdiscectomy or spinal fusion (for severe cases).

Long-Term Impact:

Chronic Pain: Many victims experience ongoing pain and limitations.
Permanent Disability: Some victims are unable to return to physical jobs.
Future Surgeries: Herniated discs can recur, requiring additional treatment.

Case Value:

Conservative Treatment: $50,000-$150,000
Surgery Required: $200,000-$500,000

4. Broken Bones and Fractures

What It Is: Broken bones are common in motor vehicle accidents, especially in high-impact collisions. Fractures can range from simple breaks to complex injuries requiring surgery.

Common Types of Fractures:

Simple Fracture: A clean break that doesn’t pierce the skin.
Compound Fracture: A break that pierces the skin, increasing the risk of infection.
Comminuted Fracture: The bone shatters into multiple pieces, often requiring surgery.

Long-Term Impact:

Chronic Pain: Some victims experience ongoing pain at the fracture site.
Arthritis: Fractures near joints can lead to arthritis later in life.
Permanent Disability: Severe fractures may limit mobility or require amputation.

Case Value:

Simple Fracture: $20,000-$50,000
Fracture Requiring Surgery: $100,000-$300,000

5. Whiplash and Soft Tissue Injuries

What It Is: Whiplash is a neck injury caused by the sudden back-and-forth motion of the head, often seen in rear-end collisions. Soft tissue injuries include sprains, strains, and bruises.

Symptoms:

Neck pain and stiffness
Headaches
Dizziness
Shoulder or back pain
Numbness or tingling in the arms

Long-Term Impact:

Chronic Pain: Up to 15-20% of whiplash victims develop chronic pain.
Delayed Symptoms: Some victims don’t experience symptoms until days or weeks after the accident.

Why Insurance Companies Undervalue These Injuries:

No Visible Evidence: Soft tissue injuries don’t show up on X-rays or MRIs.
Subjective Symptoms: Insurance companies argue that pain is “exaggerated” or “pre-existing.”

How We Counter It:

We document your symptoms thoroughly with your treating doctors.
We obtain MRI or CT scans to rule out more serious injuries.
We use expert testimony to explain the long-term impact of whiplash.

Case Value:

Mild Whiplash: $10,000-$30,000
Chronic Whiplash: $50,000-$150,000

6. Amputations

What It Is: Amputations can occur at the scene of the accident (traumatic amputation) or as a result of complications during treatment (surgical amputation).

Types of Amputations:

Above-Knee Amputation: More difficult to adapt to, requiring advanced prosthetics.
Below-Knee Amputation: Easier to adapt to, with better mobility outcomes.
Upper Extremity Amputation: Loss of an arm, hand, or fingers.

Long-Term Impact:

Prosthetics: The cost of a prosthetic limb ranges from $5,000 to $100,000, and they need to be replaced every 3-5 years.
Phantom Limb Pain: Up to 80% of amputees experience phantom pain, which can be severe and debilitating.
Psychological Impact: Depression, anxiety, and PTSD are common.

Case Value:

Partial Amputation: $500,000-$2 million
Full Limb Amputation: $2 million-$8 million

Attorney911 Case Result:

“In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions.”

7. Burn Injuries

What It Is: Burn injuries can occur in accidents involving vehicle fires, explosions, or hazardous materials. Burns are classified by severity:

Degree	Characteristics	Treatment
First-Degree	Superficial (like a sunburn), heals in 7-10 days	Outpatient care
Second-Degree	Blistering, severe pain, may scar	Hospitalization, possible skin grafts
Third-Degree	Full-thickness, destroys all skin layers, always scars	Skin grafts, long-term care
Fourth-Degree	Extends into muscle and bone	Often requires amputation

Long-Term Impact:

Scarring and Disfigurement: Permanent visible injuries affecting self-esteem.
Chronic Pain: Nerve damage can cause ongoing pain.
Psychological Trauma: Depression, anxiety, and PTSD are common.

Case Value:

Second-Degree Burns: $100,000-$500,000
Third-Degree Burns: $500,000-$5 million
Fourth-Degree Burns: $5 million-$10 million+

8. Wrongful Death

What It Is: A wrongful death claim is brought by the surviving family members of a victim who was killed in a motor vehicle accident. Texas law allows certain family members to seek compensation for their loss.

Who Can File a Wrongful Death Claim?

Spouse
Children (including adult children)
Parents

Types of Damages in Wrongful Death Cases:

Economic Damages:
- Funeral and burial expenses
- Medical expenses before death
- Lost financial support (present value of the deceased’s future earnings)
Non-Economic Damages:
- Loss of companionship, love, and society
- Mental anguish and emotional distress
- Loss of advice and counsel

Case Value:

Working-Age Adult: $2 million-$10 million
Child or Elderly Victim: $1 million-$5 million

Attorney911 Case Result:

“At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.”

Why Choose Attorney911 for Your Charlotte, Texas, Motor Vehicle Accident Case?

When you’ve been injured in a motor vehicle accident, choosing the right attorney can make all the difference in the outcome of your case. Here’s why Attorney911 is the best choice for accident victims in Charlotte, Texas:

1. We Have a Former Insurance Defense Attorney on Our Team

Lupe Peña spent years working for a national insurance defense firm, where he learned how insurance companies value claims, deploy tactics, and build cases against victims. Now, he uses that insider knowledge to fight for you. As Lupe explains:

“I know how insurance companies think because I used to work for them. I know their playbook, and I know how to beat it.”

This unique perspective gives us a significant advantage in negotiations and litigation.

2. We’ve Recovered Millions for Our Clients

Our track record speaks for itself. We’ve secured multi-million dollar settlements for clients with catastrophic injuries, including:

Brain injuries
Spinal cord injuries
Amputations
Wrongful death cases

Our results prove that we don’t settle for less than our clients deserve.

3. We Have Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas, which allows us to handle complex cases that may require federal litigation. This includes:

Trucking accidents governed by federal regulations
Product liability claims (e.g., Tesla Autopilot cases)
Cases involving out-of-state defendants

Our federal court experience ensures that we’re prepared to take your case to trial if necessary.

4. We Were Involved in the BP Texas City Explosion Litigation

Our firm is one of the few in Texas to be involved in the BP Texas City explosion litigation, which resulted in a $2.1 billion settlement. This experience demonstrates our ability to take on billion-dollar corporations and secure justice for our clients.

5. We Provide Personal Attention

At Attorney911, you won’t be passed off to a case manager or paralegal. You’ll work directly with Ralph Manginello and Lupe Peña, who will guide you through every step of the legal process. Our clients consistently praise our communication and dedication. As one client, Chad Harris, shared:

“You are NOT a pest to them and you are NOT just some client… You are FAMILY to them.”

6. We Work on a Contingency Fee Basis

We understand that the financial burden of an accident can be overwhelming. That’s why we work on a contingency fee basis—you pay nothing unless we win your case. There are no upfront costs, and we advance all case expenses, so you can focus on your recovery without worrying about legal fees.

7. We Speak Spanish

At Attorney911, we believe that language should never be a barrier to justice. Lupe Peña is fluent in Spanish, and our team includes bilingual staff members who can assist Spanish-speaking clients. As one client, Celia Dominguez, shared:

“Especially Miss Zulema, who is always very kind and always translates.”

8. We Have a Proven Track Record of Success

Our firm has been serving clients in Texas since 1998, and we’ve built a reputation for aggressive advocacy and outstanding results. We’ve recovered millions of dollars for our clients, and we’re ready to fight for you.

Frequently Asked Questions (FAQs)

1. What should I do immediately after a car accident in Charlotte, Texas?

If you’ve been in a car accident in Charlotte, Texas, follow these steps:

Call 911 to report the accident and request medical assistance if anyone is injured.
Move to a safe location if possible, but do not leave the scene.
Document the scene by taking photos and videos of the vehicles, injuries, road conditions, and any visible damage.
Exchange information with the other driver(s), including names, phone numbers, insurance information, and license plate numbers.
Gather witness information if there are any witnesses to the accident.
Do not admit fault or apologize, as this can be used against you later.
Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance.

2. Should I call the police even for a minor accident?

Yes, you should always call the police after a car accident, even if it seems minor. The police report is a critical piece of evidence that can help establish fault and support your claim. In Texas, you are required to report an accident if:

There are injuries or fatalities.
The property damage exceeds $1,000.

3. Should I seek medical attention if I don’t feel hurt?

Yes, you should seek medical attention immediately, even if you don’t feel hurt. Many injuries, such as traumatic brain injuries (TBI) and internal bleeding, may not show symptoms right away. Adrenaline can mask pain at the scene, so it’s important to get checked out by a medical professional as soon as possible.

4. What information should I collect at the scene?

Collect the following information at the scene of the accident:

Other driver’s name, phone number, and address
Other driver’s insurance company and policy number
Other driver’s license number and license plate number
Vehicle make, model, and color
Witness names and contact information
Photos and videos of the scene, vehicle damage, and injuries

5. Should I talk to the other driver or admit fault?

No, you should not discuss fault with the other driver or admit fault at the scene. Stick to the facts and avoid speculating about what happened. Anything you say can be used against you later by the insurance company.

6. How do I obtain a copy of the accident report?

In Charlotte, Texas, you can obtain a copy of the accident report from the responding law enforcement agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

7. Should I give a recorded statement to insurance?

No, you should not give a recorded statement to the other driver’s insurance company without consulting an attorney first. Insurance adjusters are trained to ask leading questions that can be used to minimize your claim. Once you hire Attorney911, we handle all communication with the insurance company.

8. What if the other driver’s insurance contacts me?

If the other driver’s insurance company contacts you, do not give a recorded statement or sign anything. Instead, refer them to your attorney. Say something like:

“I need to speak with my attorney first.”

9. Do I have to accept the insurance company’s estimate?

No, you are not required to accept the insurance company’s estimate for repairs or medical expenses. Their estimate is just an offer, and it’s often far below what your case is worth. At Attorney911, we fight for the full compensation you deserve.

10. Should I accept a quick settlement offer?

No, you should never accept a quick settlement offer without consulting an attorney. Early settlement offers are almost always lowball offers designed to take advantage of your financial desperation. Once you sign a release, you cannot reopen your claim, even if your injuries worsen or require additional treatment.

11. What if I have a pre-existing condition?

You can still recover compensation if the accident aggravated or worsened your pre-existing condition. This is known as the “eggshell plaintiff” rule, which means the defendant takes the victim as they find them. At Attorney911, we work with medical experts to prove the difference between your condition before and after the accident.

12. What is comparative negligence, and how does it affect me?

Texas uses a modified comparative negligence rule with a 51% bar. This means:

If you are 50% or less at fault, you can recover damages (reduced by your percentage of fault).
If you are 51% or more at fault, you recover nothing.

Insurance companies often try to shift blame onto you to reduce their payout. At Attorney911, we know how to counter these arguments and fight for your rights.

13. What is the statute of limitations for a car accident lawsuit in Texas?

In Texas, you have 2 years from the date of the accident to file a personal injury lawsuit. This is known as the statute of limitations. If you miss this deadline, your case will be barred forever, and you won’t be able to recover compensation.

14. Will my case go to trial?

Most car accident cases settle before trial, but we prepare every case as if it’s going to trial. This approach gives us leverage in negotiations and ensures that we’re ready to take your case to court if necessary.

15. How long will my case take to settle?

The timeline for settling your case depends on several factors, including:

The severity of your injuries
The complexity of your case
Whether liability is disputed
The insurance company’s willingness to negotiate

We don’t settle your case until you’ve reached Maximum Medical Improvement (MMI), which is the point at which your injuries have stabilized and we can accurately assess their long-term impact.

16. What types of damages can I recover?

You may be entitled to compensation for:

Medical expenses (past and future)
Lost wages and earning capacity
Pain and suffering
Mental anguish
Physical impairment
Disfigurement
Loss of enjoyment of life
Property damage

17. Can I get compensation for pain and suffering?

Yes, you can recover compensation for pain and suffering in Texas. There is no cap on pain and suffering damages (except in medical malpractice cases). Pain and suffering compensation is calculated using the multiplier method or the per diem method.

18. What if the other driver is uninsured or underinsured?

If the other driver is uninsured or underinsured, you can recover compensation through your own Uninsured/Underinsured Motorist (UM/UIM) coverage. Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on your policy.

19. What if I was hit by a government vehicle (city bus, police car, etc.)?

If you were hit by a government vehicle, you may have a claim against the government entity. However, these cases have special notice requirements and shorter deadlines, so it’s important to contact an attorney immediately.

20. What if the other driver fled the scene (hit and run)?

If the other driver fled the scene, you can still recover compensation through your Uninsured Motorist (UM) coverage. It’s important to file a police report immediately and gather as much evidence as possible, including witness statements and surveillance footage.

21. What if I’m an undocumented immigrant—can I still file a claim?

Yes, immigration status does not affect your right to compensation for injuries sustained in a motor vehicle accident. You are entitled to full recovery regardless of your immigration status. At Attorney911, we protect your rights and your privacy.

22. What if the accident happened in a parking lot?

Parking lot accidents are fully compensable. Insurance companies often argue that parking lot accidents are “always 50/50 fault”, but this is not true. We prove fault through surveillance footage, witness statements, and damage analysis.

23. What if I was a passenger in the at-fault vehicle?

If you were a passenger in the at-fault vehicle, you can still sue the driver for your injuries. The driver’s insurance policy covers passengers, and there are no comparative fault issues because you weren’t driving.

24. What if the other driver died in the accident?

You can still pursue a claim against the deceased driver’s estate and insurance policy. Wrongful death laws protect both sides, and the insurance policy still applies.

25. How much do car accident lawyers cost?

At Attorney911, we work on a contingency fee basis, which means you pay nothing unless we win your case. Our fee is a percentage of the recovery, and we advance all case expenses. There are no upfront costs.

26. What does “no fee unless we win” mean?

It means you pay nothing unless we recover compensation for you. If we don’t win your case, you owe us nothing. This ensures that you can pursue justice without financial risk.

27. How often will I get updates on my case?

At Attorney911, we provide regular updates on your case. As one client, Dame Haskett, shared:

“Consistent communication and not one time did I call and not get a clear answer.”

28. Who will actually handle my case?

At Attorney911, you work directly with Ralph Manginello and Lupe Peña, not just paralegals or case managers. As Chad Harris said:

“You are NOT just some client… You are FAMILY to them.”

29. What if I already hired another attorney?

You can switch attorneys at any time if you’re unhappy with your current representation. At Attorney911, we’ve taken over many cases from other attorneys. As Greg Garcia shared:

“In the beginning, I had another attorney, but he dropped my case, although Mangiello Law Firm was able to help me out.”

30. What if I need to think about it?

Evidence disappears every day, so it’s important to act quickly. Surveillance footage is deleted within 7-30 days, and witness memories fade quickly. Call 1-888-ATTY-911 today for a free consultation—there’s no obligation.

31. What if I should talk to other attorneys first?

We offer a free consultation, so you have nothing to lose by speaking with us. We’ll review your case, explain your options, and help you make an informed decision.

32. What if I can’t afford an attorney?

At Attorney911, we work on a contingency fee basis, which means you pay nothing unless we win your case. There are no upfront costs, and we advance all case expenses.

33. What if the insurance company is being nice and helpful?

Insurance companies are not your friends. They’re trained to seem helpful while gathering evidence to deny or minimize your claim. Don’t be fooled—call 1-888-ATTY-911 before speaking to any adjuster.

34. What if my injuries don’t seem that bad?

Some injuries, like traumatic brain injuries and internal bleeding, may not show symptoms immediately. It’s important to seek medical attention right away and document your injuries. Insurance companies use delays in treatment against you.

35. What if insurance is offering to pay for everything?

Early settlement offers are almost always lowball offers. Once you sign a release, you cannot reopen your claim, even if your injuries worsen. Call 1-888-ATTY-911 before accepting any offer.

36. What if I was partially at fault?

You can still recover compensation if you were 50% or less at fault. Your recovery will be reduced by your percentage of fault. At Attorney911, we know how to counter the insurance company’s comparative fault arguments.

37. What if I don’t know what to do right now?

You’re not alone. Call 1-888-ATTY-911 for immediate legal guidance. We’ll walk you through the next steps and ensure your rights are protected.

38. Will insurance pay for everything?

Insurance companies often try to minimize or deny claims. They may argue that your injuries are pre-existing or that you’re exaggerating your symptoms. At Attorney911, we know how to counter these tactics and fight for the full compensation you deserve.

39. I can’t afford a lawyer—what do I do?

At Attorney911, we work on a contingency fee basis, which means you pay nothing unless we win your case. There are no upfront costs, and we advance all case expenses.

40. My injuries don’t seem that bad—should I still see a doctor?

Yes, you should always seek medical attention after an accident, even if you feel fine. Some injuries, like traumatic brain injuries and internal bleeding, may not show symptoms immediately. Insurance companies use delays in treatment against you.

41. Insurance is being nice and helpful—should I trust them?

No. Insurance companies are not your friends. They’re trained to seem helpful while gathering evidence to deny or minimize your claim. Don’t be fooled—call 1-888-ATTY-911 before speaking to any adjuster.

42. How do I know this lawyer is qualified?

Ralph Manginello has over 25 years of legal experience and is admitted to practice in the U.S. District Court, Southern District of Texas. Our firm has recovered millions of dollars for accident victims, and we’ve been involved in BP explosion litigation. As client Jamin Marroquin shared:

“Mr. Manginello guided me through the whole process with great expertise… tenacious, accessible, and determined throughout the 19 months.”

43. What makes Attorney911 different?

At Attorney911, we have a former insurance defense attorney on our team who knows their tactics inside and out. We’ve recovered millions of dollars for our clients, and we provide personal attention from start to finish. As one client said:

“You are NOT just some client… You are FAMILY to them.”

44. Will they actually fight or settle cheap?

At Attorney911, we prepare every case as if it’s going to trial. This approach gives us leverage in negotiations and ensures that we don’t settle for less than our clients deserve. Our multi-million dollar results prove that we don’t accept lowball offers.

45. I need to think about it—what’s the rush?

Evidence disappears every day. Surveillance footage is deleted within 7-30 days, and witness memories fade quickly. The 2-year statute of limitations is also a hard deadline. Call 1-888-ATTY-911 today to protect your rights.

46. Should I talk to other attorneys first?

We offer a free consultation, so you have nothing to lose by speaking with us. We’ll review your case, explain your options, and help you make an informed decision.

47. What if I can’t afford to pay upfront?

At Attorney911, we work on a contingency fee basis, which means you pay nothing unless we win your case. There are no upfront costs, and we advance all case expenses.

Contact Attorney911 Today

If you’ve been injured in a motor vehicle accident in Charlotte, Texas, don’t wait to seek legal help. Evidence disappears every day, and the 2-year statute of limitations is a hard deadline. At Attorney911, we’re here to fight for your rights and help you secure the compensation you deserve.

Call Our Legal Emergency Line:

📞 1-888-ATTY-911 (1-888-288-9911)

Visit Our Website:

🌐 https://attorney911.com

Free Consultation:

We offer a free, no-obligation consultation to review your case and explain your options. There’s no risk—you pay nothing unless we win.

No Fee Unless We Win:

At Attorney911, we work on a contingency fee basis. This means:

No upfront costs
No hourly fees
We advance all case expenses
You pay nothing unless we recover compensation for you

Hablamos Español:

Don’t Let Insurance Companies Take Advantage of You

Insurance companies have teams of lawyers working to minimize or deny your claim. They’ll use every tactic in the book to pay you as little as possible, including:

Quick settlement offers designed to take advantage of your financial desperation
Recorded statements that can be used against you
Independent Medical Exams (IMEs) with biased doctors
Delay tactics to pressure you into accepting less
Surveillance to catch you in “gotcha” moments
Comparative fault arguments to shift blame onto you

At Attorney911, we know these tactics because Lupe Peña used them for years as an insurance defense attorney. Now, he uses that knowledge to fight for you.

Take the First Step Toward Justice

You don’t have to face this alone. At Attorney911, we’re here to guide you through the legal process, fight for your rights, and help you secure the compensation you deserve. Call 1-888-ATTY-911 today for a free consultation.

📞 1-888-ATTY-911 (1-888-288-9911)
🌐 https://attorney911.com

We don’t get paid unless we win your case. Let us fight for you.