Motor Vehicle Accident Lawyers in City of Brazos Country: Your Legal Emergency Response Team

If you’ve been injured in a car accident in City of Brazos Country, you’re not alone. Texas sees a motor vehicle crash every 57 seconds, and tragically, someone is injured in our state every 2 minutes and 5 seconds. These aren’t just statistics—they represent real people whose lives are changed in an instant. At Attorney911, we understand the chaos and confusion you’re experiencing right now. That’s why we’re here: to be your legal emergency response team when you need us most.

Ralph Manginello, our founding attorney with over 25 years of experience handling motor vehicle accident cases in Texas, has seen firsthand how these accidents devastate families in City of Brazos Country. From collisions on local roads to catastrophic crashes involving commercial vehicles, we’ve helped hundreds of accident victims recover the compensation they deserve. Our team includes Lupe Peña, a former insurance defense attorney who knows exactly how insurance companies try to minimize your claim—because he used to work for them.

Why City of Brazos Country Accidents Demand Local Legal Expertise

City of Brazos Country presents unique challenges for accident victims. Whether you were involved in a collision near local landmarks, on rural roads, or in more populated areas, the aftermath can be overwhelming. The insurance companies already have their teams in place, ready to protect their interests—not yours. They’ll try to contact you within hours, hoping to get a recorded statement that they can use against you later. They might even offer you a quick settlement, knowing full well that your injuries could require months or years of treatment.

This is where our local knowledge becomes invaluable. We know the courts serving City of Brazos Country. We understand the specific challenges that accident victims face in this area. And most importantly, we know how to fight back against the insurance companies’ tactics. Lupe’s years working for a national defense firm give us an insider’s perspective on how insurance companies evaluate claims. He knows their playbook because he wrote it—and now he uses that knowledge to fight for you.

The Attorney911 Difference: Insurance Defense Insider Now Fighting for You

What sets Attorney911 apart from other law firms in City of Brazos Country is our unique combination of experience and insider knowledge. While most personal injury firms only see one side of the claims process, we’ve worked on both sides. Lupe Peña spent years defending insurance companies against personal injury claims. He knows how they:

• Calculate claim values using software like Colossus
• Select “independent” medical examiners who almost always find in their favor
• Use recorded statements to trap victims into saying things that hurt their case
• Deploy surveillance teams to catch victims doing activities that contradict their injury claims
• Delay claims hoping victims will accept lowball offers out of financial desperation

Now, Lupe uses that insider knowledge to protect our clients. When insurance companies try to use these tactics against you, we’re always one step ahead. 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.”

Common Types of Motor Vehicle Accidents in City of Brazos Country

Our firm handles all types of motor vehicle accidents that occur in City of Brazos Country and throughout Texas. Here are some of the most common accident types we see:

Car Accidents: The Most Common but Often Misunderstood

Car accidents are by far the most common type of motor vehicle accident in City of Brazos Country. In 2024 alone, Texas saw 251,977 people injured in motor vehicle crashes. That’s one person injured every 2 minutes and 5 seconds. Common causes include:

• Distracted driving (380 deaths in Texas in 2024)
• Speeding
• Failure to yield right of way
• Running red lights or stop signs
• Following too closely
• Driving under the influence of alcohol or drugs

Common injuries we see in car accident cases include:

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

One of our recent cases involved a client whose leg was injured in a car accident in City of Brazos Country. During treatment, staff infections developed, and doctors had to perform a partial amputation. The insurance company initially offered just $50,000, claiming the amputation was a “medical complication” not related to the accident. We brought in medical experts who proved the amputation was a direct result of the accident injuries. We documented the client’s lifetime prosthetic costs, lost earning capacity, and the profound impact on their daily life. The case ultimately settled in the millions—not the $50,000 they initially offered.

18-Wheeler and Trucking Accidents: Catastrophic Injuries Demand Specialized Representation

Trucking accidents are particularly devastating due to the sheer size and weight of commercial vehicles. An 18-wheeler can weigh up to 80,000 pounds—20 times more than the average passenger car. When these massive vehicles collide with smaller cars, the results are often catastrophic.

In 2024, Texas saw:

• 39,393 commercial motor vehicle crashes
• 608 trucking-related fatalities
• 1,601 serious injuries from truck accidents
• Texas accounts for 11% of all fatal truck crashes in the United States

Common causes of trucking accidents include:

• Driver fatigue (violating Hours of Service regulations)
• Distracted driving
• Improper loading or unsecured cargo
• Mechanical failures due to poor maintenance
• Speeding or reckless driving
• Driving under the influence of drugs or alcohol

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. Our federal court experience is particularly valuable in trucking cases, as many involve federal regulations and may end up in federal court.

The Federal Motor Carrier Safety Administration (FMCSA) sets strict regulations for commercial drivers, including:

• Hours of Service (HOS) rules limiting driving time
• Mandatory Electronic Logging Devices (ELDs)
• Drug and alcohol testing requirements
• Vehicle maintenance standards
• Driver qualification requirements

When trucking companies violate these regulations, it can establish negligence per se—meaning the violation itself is proof of negligence. This makes trucking cases stronger when violations are documented.

Drunk Driving Accidents: Holding All Responsible Parties Accountable

Drunk driving accidents are particularly tragic because they’re completely preventable. In Texas, alcohol-impaired driving caused 1,053 deaths in 2024—25.37% of all traffic fatalities. That’s more than one in four traffic deaths caused by drunk drivers.

What many people don’t realize is that in Texas, you can hold more than just the drunk driver responsible. Under the Texas Dram Shop Act (TABC § 2.02), bars, restaurants, and other establishments can be held liable if they served alcohol to someone who was obviously intoxicated and that person then caused an accident.

Signs of obvious intoxication include:

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

Potentially liable parties in drunk driving cases include:

• The drunk driver
• Bars and nightclubs
• Restaurants serving alcohol
• Liquor stores
• Event organizers (concerts, festivals)
• Social hosts (in limited circumstances)

Drunk driving cases often qualify for punitive damages, which are designed to punish particularly egregious conduct and deter similar behavior in the future. This can significantly increase the value of your claim.

Our firm’s criminal defense experience is particularly valuable in drunk driving cases. Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), which gives us unique insight into both the criminal and civil aspects of these cases. In fact, our firm has successfully had three DWI cases dismissed:

1. A client charged with drunk driving based on a breath test. Our investigation revealed that a police department employee was not properly maintaining the breathalyzer machines. The charges were dismissed.
2. A client who drove home at 2:30 a.m., hit a curb, and rolled his car, injuring a passenger. We learned that police conducted no breath or blood test, EMS didn’t note intoxication, and nurse notes from the hospital were missing. The case was dismissed on the day of trial.
3. A client charged with DUI/DWI where the state’s primary evidence was a video field sobriety test. We succeeded in having the case dismissed because our client did not appear drunk in the video.

This criminal defense experience gives us unique advantages in the civil claims that follow drunk driving accidents.

Motorcycle Accidents: Fighting Bias and Protecting Riders’ Rights

Motorcycle accidents often result in catastrophic injuries due to the lack of protection for riders. In 2024, Texas saw 585 motorcyclist fatalities, with 37% of those killed not wearing helmets. While helmets are required for riders under 21 in Texas, riders over 21 can ride without a helmet if they’ve completed a safety course or have adequate medical insurance.

Common causes of motorcycle accidents include:

• Drivers failing to yield right of way (most common cause)
• Driver inattention or distraction
• Unsafe lane changes by other drivers
• Left-turn accidents (often resulting in T-bone or head-on collisions)
• Speeding or reckless driving

One of the biggest challenges in motorcycle accident cases is the bias against motorcyclists. Insurance companies often try to blame the rider for the accident, arguing that they were speeding, lane splitting, or otherwise at fault. Texas’ 51% comparative fault rule makes this particularly dangerous. If you’re found to be 51% or more at fault for the accident, you can’t recover any compensation.

This is where Lupe’s insurance defense experience is particularly valuable. He knows exactly how insurance companies try to shift blame to motorcyclists because he used to make those arguments for insurance companies. Now, he uses that knowledge to protect our clients.

Pedestrian Accidents: Protecting Our Most Vulnerable Road Users

Pedestrian accidents are particularly devastating because pedestrians have no protection against vehicles. In 2024, Texas saw 6,095 pedestrian crashes resulting in 768 fatalities. Pedestrians account for just 1% of all crashes but 19% of all roadway deaths.

A critical legal point that many people don’t know: pedestrians ALWAYS have the right-of-way at intersections, even unmarked crosswalks. Under Texas law, “Anytime there’s an intersection of two streets, the distance between them is a crosswalk”—even if it’s not marked. Many drivers don’t know this, and insurance companies won’t tell you.

Common injuries in pedestrian accidents include:

• Traumatic brain injuries
• Spinal cord injuries and paralysis
• Broken pelvis and legs
• Internal organ damage
• Fatalities

Rideshare Accidents: Navigating the Insurance Maze

Rideshare accidents involving Uber, Lyft, and other services present unique challenges due to the complex insurance coverage involved. The insurance coverage available depends on what the rideshare driver was doing at the time of the accident:

This complexity is why you need an attorney with experience handling rideshare cases. Lupe’s insurance defense background is particularly valuable here, as he understands how to navigate these complex insurance structures.

Hit and Run Accidents: Protecting Your Rights When the At-Fault Driver Flees

Hit and run accidents are particularly frustrating because the at-fault driver flees the scene, leaving you injured and confused. In Texas, hit and run is a serious crime with severe penalties:

If the at-fault driver is never identified, your own Uninsured Motorist (UM) coverage can compensate you. This is why it’s so important to have adequate UM coverage on your own policy.

Evidence preservation is critical in hit and run cases. Surveillance footage from nearby businesses is typically deleted within 7-30 days. We send preservation letters immediately to secure this critical evidence before it’s gone forever.

What to Do Immediately After an Accident in City of Brazos Country

The actions you take in the first 48 hours after an accident can significantly impact your ability to recover fair compensation. Here’s our step-by-step guide:

Hour 1-6: Immediate Crisis Response

1. Safety First: If you can move safely, get to a secure location away from traffic.
2. Call 911: Report the accident and request medical assistance if anyone is injured.
3. Medical Attention: Even if you don’t feel hurt, get checked out immediately. Adrenaline can mask serious injuries.
4. Document Everything:
   • Take photos of ALL vehicle damage (from every angle)
   • Photograph the accident scene, road conditions, and traffic signals
   • Take photos of visible injuries
   • Screenshot any messages visible on your phone (do NOT delete anything)
5. Exchange Information:
   • Other driver’s name, phone number, and address
   • Insurance company and policy number
   • Driver’s license number
   • License plate number
   • Vehicle make, model, and color
6. Witnesses: Get names and phone numbers of any witnesses. Ask if they saw what happened.
7. Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to ANY insurance company.

Hour 6-24: Evidence Preservation

1. Digital Preservation:
   • Preserve all texts, calls, photos, and videos related to the accident
   • Do NOT delete anything from your phone
   • Screenshot everything relevant
   • Email copies to yourself for backup
2. Physical Evidence:
   • Secure damaged clothing, glasses, and other personal items
   • Keep receipts for any accident-related expenses (towing, rental car, medications)
   • Do NOT repair your vehicle yet—preserve the damage
3. Medical Records:
   • Request copies of all ER and hospital records
   • Keep all discharge paperwork
   • Follow up with your primary care physician within 24-48 hours
4. Insurance Communications:
   • Note any calls from insurance companies
   • Do NOT give recorded statements yet
   • Do NOT sign anything
   • Do NOT accept any settlement offers
   • Say: “I need to speak with my attorney first”
5. Social Media:
   • Make ALL profiles private immediately
   • Do NOT post about the accident
   • Do NOT post photos of injuries or activities
   • Tell friends and family not to tag you in posts

Hour 24-48: Strategic Decisions

1. Legal Consultation: Speak with an experienced motor vehicle accident attorney. Call Attorney911: 1-888-ATTY-911 for a free consultation.
2. Insurance Response: If insurance contacts you, refer them to your attorney. Say: “My attorney will be in touch with you.” Provide only basic information: your name, the date of the accident, and that you were involved.
3. Settlement Offers: Do NOT accept or sign anything without your lawyer reviewing it. Early offers are ALWAYS lowball offers. You don’t know the full extent of your injuries yet.
4. Evidence Backup: Upload all screenshots and photos to cloud storage. Email copies to yourself and a family member. Create a written timeline of events while your memory is fresh.

Week One Priorities

1. Medical Follow-Up: Continue documenting all injuries. See specialists if recommended. Follow ALL doctor recommendations. Get written work restrictions if needed.
2. Investigation Begins: Your attorney will obtain the police report, send preservation letters, secure surveillance footage, and record witness statements.
3. Communication: Your attorney will handle ALL insurance communication. You focus on your recovery. Document any pressure from insurance or other parties.

Why Evidence Disappears So Quickly

One of the most important reasons to contact an attorney immediately is that evidence disappears on a predictable schedule:

This is why calling Attorney911 immediately is so important. Within 24 hours of being retained, we send preservation letters to all parties involved, legally requiring them to preserve evidence before automatic deletion.

Understanding Your Rights Under Texas Law

Texas has specific laws that govern motor vehicle accident cases. Understanding these laws is crucial to protecting your rights:

Statute of Limitations: The 2-Year Deadline

In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit. This is called the statute of limitations (Texas Civil Practice & Remedies Code § 16.003). For wrongful death claims, you have 2 years from the date of death to file.

Missing this deadline means your case is barred forever. You cannot extend or waive this deadline. This is why it’s so important to contact an attorney as soon as possible after your accident.

Comparative Negligence: The 51% Bar Rule

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

• If you are 50% or less at fault for the accident, you can recover damages (but your recovery is reduced by your percentage of fault).
• If you are 51% or more at fault, you cannot recover any damages.

Insurance companies often try to assign maximum fault to accident victims to reduce their payment. Even small fault percentages can cost you thousands:

• 10% fault on a $100,000 case = $10,000 less for you
• 25% fault on a $250,000 case = $62,500 less for you
• 40% fault on a $500,000 case = $200,000 less for you

Lupe’s insurance defense experience is particularly valuable here. He knows exactly how insurance companies try to shift blame to accident victims because he used to make those arguments for insurance companies. Now, he uses that knowledge to protect our clients.

Texas Minimum Auto Insurance Requirements

Texas requires all drivers to carry minimum auto insurance coverage:

Unfortunately, many drivers carry only the minimum coverage, which is often insufficient to cover the costs of serious accidents. This is why Uninsured/Underinsured Motorist (UM/UIM) coverage is so important.

Uninsured/Underinsured Motorist Coverage

Texas allows inter-policy stacking for UM/UIM coverage. This means you can combine coverage from multiple policies you hold. For example, if you have two vehicles with $50,000 in UM coverage each, you may be able to stack them for $100,000 in total coverage.

UM/UIM coverage is critical because:

• Approximately 15.4% of U.S. motorists are uninsured (about 1 in 7 drivers)
• Many more are underinsured (carrying only minimum coverage)
• UM coverage pays for hit-and-run accidents when the at-fault driver is unidentified

Types of Damages You Can Recover

If you’ve been injured in a motor vehicle accident in City of Brazos Country, you may be entitled to compensation for:

Economic Damages (No Cap in Texas)

• Medical Expenses (Past): ER visits, hospital stays, surgeries, doctor visits, physical therapy, medications, medical equipment
• Medical Expenses (Future): Ongoing treatment, future surgeries, lifetime medications, long-term care
• Lost Wages (Past): Income lost from the date of the accident to the present
• Lost Earning Capacity (Future): Reduced ability to earn income in the future
• Property Damage: Vehicle repair or replacement, personal property damage
• Out-of-Pocket Expenses: Transportation to medical appointments, home modifications, household help

Non-Economic Damages (No Cap Except Medical Malpractice)

• Pain and Suffering: Physical pain from your injuries, both past and future
• Mental Anguish: Emotional distress, anxiety, depression, fear, PTSD
• Physical Impairment: Loss of physical function, disability, limitations
• Disfigurement: Scarring, permanent visible injuries affecting your appearance
• Loss of Consortium: Impact on your marriage and family relationships, loss of companionship
• Loss of Enjoyment of Life: Inability to participate in activities you previously enjoyed

Punitive/Exemplary Damages (Capped)

Punitive damages are available in cases involving gross negligence, fraud, or malice. They are designed 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)

Drunk driving cases often qualify for punitive damages due to the conscious indifference to the safety of others.

How Insurance Companies Try to Minimize Your Claim

Insurance companies have sophisticated strategies to minimize the amount they pay on claims. Lupe Peña, our former insurance defense attorney, knows these tactics because he used them for years. Here are the six most common tactics insurance companies use—and how we counter them:

Tactic #1: The Quick Contact and Recorded Statement Trap

What They Do:
Within hours or days of your accident, an insurance adjuster will contact you. They’ll sound friendly and helpful, saying things like:

• “We just want to help you”
• “We need to get your side of the story to process your claim”
• “This is routine, everyone does this”
• “It’ll only take a few minutes”

What They’re Really Doing:
They’re trying to get you to give a recorded statement that they can use against you later. They’ll ask leading questions designed to trap you into saying things that hurt your case:

Everything you say is documented, recorded, transcribed, and will be used against you. You cannot take it back.

The Truth:

• You are NOT required to give a recorded statement to the other driver’s insurance company.
• Giving a statement without an attorney almost always hurts your case.
• Insurance companies know this—that’s why they push so hard.

How Attorney911 Counters:
Once you hire Attorney911, we become your voice. We handle all communication with the insurance companies. If a recorded statement becomes absolutely necessary, we prepare you extensively and sit with you during the statement. We know their questions because Lupe asked them for years.

Tactic #2: The Quick Settlement Offer

What They Do:
Within days or weeks of your accident, the insurance company may offer you a quick settlement. Typical offers range from $2,000 to $5,000, sometimes up to $10,000 or $15,000 if they’re particularly worried about your case.

They create artificial urgency:

• “This offer expires in 48 hours”
• “I can only get approval for this amount right now”
• “Take it or leave it”
• “This is our final offer” (it’s not)

The Trap:
You don’t know the full extent of your injuries yet. Here’s what often happens:

The Release is Permanent and Final. Once you sign, you can’t get more money even if you need surgery later.

How Attorney911 Counters:
We NEVER settle before you’ve reached Maximum Medical Improvement (MMI)—the point where you’ve recovered as much as you’re going to. This could be 6 months, 12 months, or even longer for serious injuries. We know their early offers are ALWAYS lowball offers. Lupe calculated these lowball offers for years—he knows they’re offering just 10-20% of what your case is really worth.

Tactic #3: The “Independent” Medical Exam (IME) Scheme

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

What It Really Is:
An insurance company-hired doctor whose job is to minimize your injuries.

How Insurance Companies Choose IME Doctors:
They don’t select the most qualified doctors—they select doctors who give insurance-favorable reports. Their criteria include:

• Doctors who consistently find “no injury” or “pre-existing condition”
• Doctors who are paid thousands of dollars by insurance companies ($2,000-$5,000 per exam)
• Doctors who get repeat business from insurance companies

What Happens at an IME:
You get a 10-15 minute “examination” that’s nothing like the thorough evaluations you get from your treating doctors. The IME doctor:

• Rarely reviews your complete medical records beforehand
• Asks questions designed to elicit “I’m feeling better” responses
• Looks for ANY reason to minimize your injuries

Common IME Doctor Findings:

How Attorney911 Counters:

• We prepare you extensively before the exam
• We send your complete medical records to the IME doctor first, forcing them to review them
• We challenge biased IME reports with our own medical experts
• Lupe knows these specific doctors and their biases—he hired them for years

Tactic #4: Delay and Financial Pressure

What They Do:
Insurance companies drag out your case, hoping you’ll get desperate and accept a lowball offer. They’ll say things like:

• “We’re still investigating your claim”
• “We’re waiting for your medical records” (even if we sent them months ago)
• “We’re reviewing your file”
• “We need additional information”
• They ignore your calls and emails
• They take weeks to respond to simple questions

Why Delay Works:
Insurance companies have:

• Unlimited time
• Unlimited resources
• No financial pressure
• Earning interest on YOUR settlement money while delaying

You have:

• Mounting medical bills
• Zero income if you can’t work
• Creditors threatening you
• A family to support
• Need money NOW

Financial Desperation Makes You Accept Less:

• Month 1: You’d reject a $5,000 offer
• Month 6: You’d seriously consider $5,000
• Month 12: You’d BEG for $5,000 just to end the nightmare

How Attorney911 Counters:

• We file a lawsuit to force deadlines
• We set depositions, forcing them to produce witnesses
• We prepare for trial, showing we’re serious
• Lupe understands delay tactics because he used them—he knows when to push

Tactic #5: Surveillance and Social Media Monitoring

What They Do:
Insurance companies hire private investigators to:

• Video you doing daily activities
• Film you from public places (your driveway, street, stores)
• Follow you to appointments, errands, social activities
• Look for ANY activity that contradicts your injury claims
• One video of you bending over = “Not really injured”

They also monitor ALL your social media:

• Facebook, Instagram, TikTok, LinkedIn, Twitter/X, YouTube, Snapchat
• Screenshot EVERYTHING: photos, posts, check-ins, comments, likes
• Monitor your friends’ profiles for posts mentioning you
• Use facial recognition to find photos you’re tagged in
• Archive your entire social media history

Examples We’ve Defended:

7 Rules for Clients:

1. Make ALL profiles private immediately
2. DON’T post about the accident, injuries, activities, emotions, or your case
3. DON’T check in anywhere
4. Tell friends and family: don’t tag you, don’t post about you
5. Don’t accept friend requests from strangers (fake profiles)
6. BEST: Stay off social media entirely during your case
7. Assume EVERYTHING is being monitored

Tactic #6: Comparative Fault Arguments

What They Do:
Insurance companies try to assign you maximum fault to reduce their payment. They’ll claim:

• “You were speeding” (without evidence)
• “You weren’t paying attention” (speculation)
• “You could have avoided this” (hindsight bias)
• “You were distracted” (guessing)
• “You contributed to this accident” (shifting blame)

Why They Do This:
Texas’ 51% bar rule means:

• If you’re 51% or more at fault → You get NOTHING
• If you’re 50% or less at fault → Your damages are reduced by your percentage of fault

Even Small Fault Percentages Cost Thousands:

• 10% fault on a $100,000 case = $10,000 less for you
• 25% fault on a $250,000 case = $62,500 less for you
• 40% fault on a $500,000 case = $200,000 less for you

How Attorney911 Counters:
We conduct an aggressive liability investigation:

• Accident reconstruction proving the other driver’s fault
• Witness statements supporting your version of events
• Police report analysis emphasizing citations against the other driver
• Expert testimony on perception-reaction time

Lupe knows their fault arguments because he made them for years—now he defeats them.

How Insurance Companies Actually Value Your Claim

Most people assume insurance companies use some fair, objective system to evaluate claims. The reality is much more cynical. Lupe Peña knows this system from the inside because he used it for years. Here’s how it really works:

The Colossus Software System

Colossus is a computerized claim valuation system used by Allstate, State Farm, Liberty Mutual, and other major insurance companies. Here’s how it works:

1. Data Entry: The insurance adjuster inputs:

   • Injury codes (medical diagnoses)
   • Treatment types and costs
   • Lost wages
   • Jurisdiction (where the accident occurred)
   • Other factors

2. Coding: Your injuries are coded using standardized medical terms. This is where manipulation happens:

   • The SAME injury can be coded different ways
   • “Soft tissue strain” (minor code) vs. “disc herniation” (serious code)
   • The SAME injury with different codes can result in a 50-100% difference in valuation

3. Calculation: The software applies algorithms to determine a “value” for your claim.

4. Range Output: The system provides a recommended settlement range.

5. Authority: The adjuster typically cannot exceed this range without supervisor approval.

How Insurance Companies Manipulate Colossus

Insurance companies train adjusters to manipulate the system:

Why Lupe’s Experience Matters

Lupe used Colossus for years as an insurance defense attorney. He knows:

• How to present medical records to show true injury severity
• Which medical terms trigger higher valuations
• How to beat the algorithm with proper documentation
• When the Colossus valuation is artificially low

Reserve Setting: The Hidden System

What Reserves Are:
Money the insurance company sets aside for your claim based on their worst-case scenario (their estimate of what a jury might award).

How It Works:

• The adjuster sets an initial reserve
• Reserves are typically the maximum the adjuster can settle for without higher approval
• Adjusters are incentivized to keep reserves low

How We Increase Reserves:

• Hiring experts (shows we’re investing in the case)
• Taking depositions (creates litigation expenses)
• Filing a lawsuit (forces trial evaluation)
• Preparing for trial (shows we’re serious)

Lupe understands reserve psychology and settlement authority limits—this is a game-changing advantage.

What Makes Attorney911 Different: Our Unique Advantages

When you’re choosing a motor vehicle accident attorney in City of Brazos Country, you have many options. Here’s what sets Attorney911 apart:

1. Insurance Defense Insider Now Fighting for You

“Lupe Peña worked for a number of years at a national defense firm, learning firsthand how large insurance companies value claims.”

This is our single biggest advantage. While most personal injury firms only see one side of the claims process, we’ve worked on both sides. Lupe Peña spent years defending insurance companies against personal injury claims. He knows how they:

• Calculate claim values using software like Colossus
• Select “independent” medical examiners who almost always find in their favor
• Use recorded statements to trap victims into saying things that hurt their case
• Deploy surveillance teams to catch victims doing activities that contradict their injury claims
• Delay claims hoping victims will accept lowball offers out of financial desperation

Now, Lupe uses that insider knowledge to protect our clients. When insurance companies try to use these tactics against you, we’re always one step ahead. 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.”

2. Multi-Million Dollar Results

We don’t just talk about results—we have the proven track record to back it up. Here are some of our documented case results:

• Multi-million dollar settlement for a client who suffered a brain injury with vision loss when a log dropped on him at a logging company.
• Settled in the millions for a client whose leg was injured in a car accident. Staff infections during treatment led to a partial amputation.
• Recovered millions of dollars in compensation for numerous injured individuals and families facing trucking-related wrongful death cases.
• Significant cash settlement for a client who injured his back while lifting cargo on a ship. Our investigation revealed that he should have been assisted in this duty, and we were able to reach a significant settlement.

These aren’t just numbers—they represent real people whose lives were devastated by accidents and who were able to rebuild with the help of our legal representation.

3. Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas. This federal court experience is particularly valuable in complex cases, including:

• Trucking accidents (many involve federal regulations)
• Cases against out-of-state defendants
• Catastrophic injury cases with multiple defendants
• Cases involving billion-dollar corporations

Our involvement in the BP Texas City explosion litigation demonstrates our capability to handle complex cases against massive corporations. We were one of the few firms in Texas involved in this litigation, which shows our ability to take on the most challenging cases.

4. Personal Attention from Experienced Attorneys

Unlike high-volume firms where you’re just a case number, at Attorney911 you work directly with Ralph Manginello and Lupe Peña. As client Chad Harris said: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”

Our clients consistently praise our communication and personal attention:

• Brian Butchee: “Melanie was excellent. She kept me informed and when she said she would call me back, she did. I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.”
• Stephanie Hernandez: “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.”
• Dame Haskett: “Consistent communication and not one time did i call and not get a clear answer…Ralph reached out personally.”

5. Contingency Fee: No Risk to You

We work on a contingency fee basis, which means:

• You pay nothing upfront
• We don’t get paid unless we win your case
• Our fee is a percentage of your recovery
• You may still be responsible for court costs and case expenses regardless of outcome

This means you can have top-tier legal representation without any financial risk. If we don’t recover compensation for you, you owe us nothing.

Frequently Asked Questions About Motor Vehicle Accidents in City of Brazos Country

Immediate After Accident

1. What should I do immediately after a car accident in City of Brazos Country?

If you’ve been in an accident in City of Brazos Country:

• Call 911 and report the accident
• Seek medical attention even if you feel fine (adrenaline masks injuries)
• Document everything: photos of damage, injuries, and the scene
• Exchange information with the other driver
• Get witness names and phone numbers
• Do NOT give a recorded statement to any insurance company
• Call Attorney911: 1-888-ATTY-911

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

Yes. Always call the police. The police report is critical evidence. In Texas, you must report accidents with injuries, deaths, or property damage over $1,000.

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

Absolutely. Many serious injuries don’t show symptoms immediately:

• Traumatic brain injuries can take days to manifest
• Internal bleeding may not be obvious
• Herniated discs may not cause pain for weeks
• Adrenaline masks pain at the scene

Insurance companies use delays in treatment against you. Get checked immediately.

4. What information should I collect at the scene?

• Other driver: name, phone, address, driver’s license, insurance
• Vehicle: make, model, color, license plate
• Witnesses: names and phone numbers
• Photos: all vehicle damage, injuries, road conditions, traffic signals
• Police: officer name, badge number, report number

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

• Exchange information only
• Do NOT discuss fault
• Do NOT apologize or say “I’m sorry” (can be used as admission)
• Do NOT give your opinion on what happened
• Stick to facts only

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

In City of Brazos Country, you can obtain the police report from the responding law enforcement agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

7. Should I give a recorded statement to insurance?

To the other driver’s insurance: NO. Not without an attorney.
To your own insurance: You have a duty to cooperate, but call Attorney911 first. We can advise you.

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

Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give a recorded statement. Do NOT discuss injuries or fault.

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

No. Their estimate is just an offer. It’s usually far below actual value. Attorney911 fights for what your case is really worth.

10. Should I accept a quick settlement offer?

NEVER accept a settlement before knowing the full extent of your injuries. Once you sign a release, you cannot get more money even if you need surgery later.

11. What if the other driver is uninsured/underinsured?

Your own UM/UIM coverage can compensate you. Watch our video: “Uninsured & Underinsured Motorists” at https://www.youtube.com/watch?v=kWcNFyb-Yq8

12. Why does insurance want me to sign a medical authorization?

They want unlimited access to your ENTIRE medical history to find pre-existing conditions to use against you. Never sign without attorney review.

Legal Process

13. Do I have a personal injury case?

You may have a case if:

• Someone else was at fault (even partially)
• You suffered injuries or damages
• There is insurance to recover from

Watch our video: “Do I Have a Good Case?” at https://www.youtube.com/watch?v=j-PMMP5Jims

14. When should I hire a car accident lawyer?

Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. Call Attorney911: 1-888-ATTY-911

15. How much time do I have to file (statute of limitations)?

In Texas: 2 years from the date of the accident for personal injury, 2 years from the date of death for wrongful death. Miss it = case barred forever.

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

Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your fault %). If 51%+ at fault, you get nothing.

Watch our video: “What Is Comparative Negligence?” at https://www.youtube.com/watch?v=agzHKY_v9l4

17. What happens if I was partially at fault?

You can still recover if you were 50% or less at fault. Your recovery is reduced by your percentage of fault.

18. Will my case go to trial?

Most cases settle before trial. But Attorney911 prepares every case AS IF it’s going to trial. That’s what gives us leverage.

Watch our video: “Will Your Case Go to Trial?” at https://www.youtube.com/watch?v=2Ed5AnmCMcc

19. How long will my case take to settle?

Depends on injury severity. We don’t settle until you’ve reached maximum medical improvement (MMI). Could be 6 months for minor injuries, 18-24 months for serious injuries.

20. What is the legal process step-by-step?

1. Investigation and evidence gathering
2. Medical treatment to MMI
3. Demand letter to insurance
4. Negotiation
5. Lawsuit if necessary
6. Discovery
7. Mediation
8. Trial if needed

Watch our video: “What Is the Process for a Personal Injury Claim?” at https://www.youtube.com/watch?v=XwzYymneDVs

Compensation

21. What is my case worth?

Depends on: injury severity, medical costs, lost wages, permanent impairment, pain and suffering, insurance available. Cases range from $15,000 (soft tissue) to millions (catastrophic injury).

22. What types of damages can I recover?

• 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

23. Can I get compensation for pain and suffering?

Yes. Pain and suffering is a significant component of personal injury cases in Texas. There is NO CAP on pain and suffering (except medical malpractice).

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

You can still recover if the accident aggravated or worsened your pre-existing condition. This is called the “eggshell plaintiff” rule.

25. Will I have to pay taxes on my settlement?

Generally, compensation for physical injuries is NOT taxable. Punitive damages ARE taxable. Consult a tax professional.

26. How is the value of my claim determined?

Based on: medical bills, future treatment costs, lost income, permanent impairment rating, comparable verdicts, severity of injuries, impact on daily life.

Attorney Relationship

27. How much do car accident lawyers cost?

Attorney911 works on contingency: 33.33% before trial, 40% if trial. You pay nothing upfront. We don’t get paid unless we win.

Watch our video: “How Do Contingency Fees Work?” at https://www.youtube.com/watch?v=upcI_j6F7Nc

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

You pay zero unless we recover money for you. If we don’t win, you owe us nothing. We advance all case costs.

29. How often will I get updates?

Attorney911 provides regular updates. As client Dame Haskett said: “Consistent communication and not one time did i call and not get a clear answer.”

30. Who will actually handle my case?

At Attorney911, you work directly with Ralph Manginello and Lupe Peña, not just paralegals. As Chad Harris said: “You are NOT just some client…You are FAMILY to them.”

31. What if I already hired another attorney?

You can switch. As client Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.”

Mistakes to Avoid

32. What common mistakes can hurt my case?

• Giving a recorded statement without an attorney
• Accepting a quick settlement
• Delaying medical treatment
• Gaps in treatment
• Posting on social media
• Signing releases or authorizations
• Not documenting everything

Watch our video: “Client Mistakes That Can Ruin Your Case” at https://www.youtube.com/watch?v=r3IYsoxOSxY

33. Should I post about my accident on social media?

NO. Make all profiles private. Don’t post about the accident, injuries, or activities. Insurance monitors everything.

34. Why shouldn’t I sign anything without a lawyer?

Releases are PERMANENT. Medical authorizations give unlimited access. Settlement offers are binding. Once signed, you can’t undo it.

35. What if I didn’t see a doctor right away?

See one NOW. Explain you didn’t realize the severity of your injuries. Delayed symptoms are common. We can still help.

Additional Common Questions

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

You can still recover. If the accident AGGRAVATED your pre-existing condition, you’re entitled to compensation for the aggravation. The “eggshell plaintiff” rule means the defendant takes you as they find you. For example: You had mild occasional back pain before the accident. The accident caused a herniated disc requiring surgery. You recover for the NEW injury, not just the pre-existing pain. We hire medical experts to prove the difference. Lupe knows how insurance attacks pre-existing conditions—he used this defense for years.

37. Can I switch attorneys if I’m unhappy with my current lawyer?

YES. You can fire your attorney at any time. If your attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you have the right to switch. Attorney911 has taken over many cases from other attorneys. As Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” Call 1-888-ATTY-911 to discuss switching.

38. What if the insurance company is my own insurance (UM/UIM claim)?

Uninsured/Underinsured Motorist claims are against YOUR insurance when the other driver has no insurance or insufficient insurance. Your insurance company will fight your claim just like the other driver’s insurance would. You need attorney representation. Texas allows inter-policy stacking (combining multiple UM policies). Lupe’s insurance knowledge is critical for maximizing UM/UIM recovery.

39. How do you calculate pain and suffering?

Most commonly using the multiplier method: Medical expenses × multiplier (1.5 to 5) = pain & suffering. The multiplier depends on: injury severity, permanency, impact on life, clear liability. For example: $100,000 medical × 4 multiplier = $400,000 pain and suffering. Lupe calculated these for years—he knows how to justify higher multipliers. See Section G for a detailed breakdown.

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

Government claims have special rules. You must file notice within 6 months (much shorter than the 2-year statute of limitations). Sovereign immunity protects government entities. Damage caps may apply. These cases are complex—you need an experienced attorney. Ralph’s 25+ years includes government litigation. Call 1-888-ATTY-911 immediately—the 6-month deadline is strict.

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

File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL—gas stations, businesses, Ring doorbells, traffic cameras. Most footage is deleted within 7-30 days. We send preservation letters immediately. Texas allows UM stacking. We’ve recovered substantial settlements in hit and run cases through UM claims.

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

YES. Your immigration status does NOT affect your right to compensation for injuries. You’re entitled to full recovery regardless of immigration status. Your case is confidential. We’ve successfully represented clients of all immigration statuses. Lupe is fluent in Spanish. Call 1-888-ATTY-911—we protect your rights and your privacy.

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

Parking lot accidents are fully compensable. Insurance companies often try to argue that “parking lot accidents are always 50/50 fault,” but this is a lie. We prove fault through: surveillance video, witness statements, damage analysis, and traffic patterns. Texas comparative negligence rules apply. We’ve won many parking lot cases with clear liability findings.

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

You can sue the driver even if you were riding with them (friend, family member, Uber driver). You’re an innocent victim. The driver’s insurance covers passengers. There are no comparative fault issues (you weren’t driving). These cases often settle quickly because liability is clear. We handle the difficult conversation so you don’t have to.

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

You can still pursue a claim against the deceased driver’s estate and insurance. The death doesn’t eliminate liability. The insurance policy still applies. The estate may have assets. Wrongful death laws protect both sides. These cases are emotionally complex but legally straightforward. We handle them with sensitivity while protecting your rights.

Why Choose Attorney911 for Your City of Brazos Country Motor Vehicle Accident Case

When you’re choosing a motor vehicle accident attorney in City of Brazos Country, you have many options. Here’s why Attorney911 is the right choice:

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

This is our single biggest advantage. Lupe Peña spent years working for a national defense firm, learning firsthand how large insurance companies value claims. He knows their tactics because he used them. Now, he uses that knowledge to fight for accident victims. When insurance companies try to minimize your claim, we’re always one step ahead.

2. We Have a Proven Track Record of Multi-Million Dollar Results

We don’t just talk about results—we have the proven track record to back it up:

• Multi-million dollar settlement for a client who suffered a brain injury with vision loss
• Settled in the millions for a client whose leg was injured in a car accident, leading to a partial amputation
• Recovered millions of dollars for families facing trucking-related wrongful death cases
• Significant cash settlement for a maritime injury case

These results demonstrate our ability to handle the most complex and serious cases.

3. We Have Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas. This federal court experience is particularly valuable in complex cases, including:

• Trucking accidents involving federal regulations
• Cases against out-of-state defendants
• Catastrophic injury cases with multiple defendants
• Cases involving billion-dollar corporations

Our involvement in the BP Texas City explosion litigation demonstrates our capability to handle complex cases against massive corporations.

4. We Provide Personal Attention from Experienced Attorneys

Unlike high-volume firms where you’re just a case number, at Attorney911 you work directly with Ralph Manginello and Lupe Peña. Our clients consistently praise our communication and personal attention:

• “Consistent communication and not one time did i call and not get a clear answer…Ralph reached out personally.” – Dame Haskett
• “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.” – Chad Harris
• “Melanie was excellent. She kept me informed and when she said she would call me back, she did.” – Brian Butchee

5. We Work on a Contingency Fee Basis—No Risk to You

We work on a contingency fee basis, which means:

• You pay nothing upfront
• We don’t get paid unless we win your case
• Our fee is a percentage of your recovery
• You may still be responsible for court costs and case expenses regardless of outcome

This means you can have top-tier legal representation without any financial risk. If we don’t recover compensation for you, you owe us nothing.

6. We Have Extensive Resources and Expertise

We have the resources and expertise to handle even the most complex cases:

• Access to top medical experts
• Relationships with accident reconstruction specialists
• Experience with complex insurance structures
• Knowledge of federal and state regulations
• Trial experience in both state and federal courts

7. We Serve the City of Brazos Country Community

As a local firm serving City of Brazos Country, we understand the unique challenges that accident victims face in this area. We know the local courts, the local hospitals, and the local insurance adjusters. We’re part of the community, and we’re committed to helping our neighbors recover from accidents.

Contact Attorney911 Today

If you’ve been injured in a motor vehicle accident in City of Brazos Country, don’t wait. Evidence disappears daily, and the insurance companies are already building their case against you. Call Attorney911 today at 1-888-ATTY-911 for a free consultation. We’re available 24/7 to help you.

Remember:

• We don’t get paid unless we win your case
• Free consultation—no obligation
• We handle everything—you focus on your recovery
• We know how to fight the insurance companies
• We have a former insurance defense attorney on our team

Don’t let the insurance companies take advantage of you. Call Attorney911 today at 1-888-ATTY-911 and let us fight for the compensation you deserve.

Se habla español. Lupe Peña and our team are ready to help Spanish-speaking clients. No matter what language you speak, we’re here to help.