Motor Vehicle Accident Lawyers in Seymour, Texas | Attorney911

Legal Emergency Lawyers™ Serving Seymour and Baylor County

If you’ve been injured in a car accident in Seymour, Texas, you’re not alone. With 251,977 people injured in Texas motor vehicle crashes in 2024 alone, accidents happen every 57 seconds across our state. In Seymour and the surrounding Baylor County area, residents face unique dangers on local roads, from distracted drivers on Highway 183 to commercial vehicles traveling through our community. When your life is disrupted by a motor vehicle accident, you need more than just a lawyer—you need a legal emergency response team.

At Attorney911, we understand that a motor vehicle accident isn’t just a legal case—it’s a crisis that affects your health, your finances, and your family’s future. That’s why we’ve built our firm around providing immediate, expert legal help when you need it most. With 25+ years of experience handling motor vehicle accident cases across Texas, including right here in Seymour, our team has the knowledge, resources, and determination to fight for the maximum compensation you deserve.

Why Seymour Residents Trust Attorney911 After Motor Vehicle Accidents

When you’re injured in a car accident in Seymour, you need a law firm that knows Texas law inside and out—and one that understands the unique challenges faced by residents in our community. Here’s what sets Attorney911 apart:

1. We Know Texas Motor Vehicle Law Like the Back of Our Hand

Texas has some of the most complex motor vehicle laws in the country, and they apply equally whether you’re in Houston, Austin, or right here in Seymour. Our team has spent decades mastering these laws, including:

The 2-year statute of limitations for personal injury claims in Texas (Texas Civil Practice & Remedies Code § 16.003)
The 51% comparative fault rule that can bar your recovery if you’re found more than 50% at fault
Texas minimum auto insurance requirements ($30,000 per person, $60,000 per accident)
Dram shop liability laws that allow us to hold bars and restaurants accountable when they over-serve intoxicated patrons (Texas Alcoholic Beverage Code § 2.02)

We don’t just know these laws—we know how to use them to your advantage. Whether you were injured on Highway 183, in downtown Seymour, or on one of the rural roads that connect our community, we’ll apply our deep legal knowledge to build the strongest possible case for you.

2. Our Firm Includes a Former Insurance Defense Attorney—Your Secret Weapon

This is what makes Attorney911 truly unique. Our associate attorney, Lupe Peña, spent years working for a national insurance defense firm. He knows exactly how insurance companies evaluate claims, calculate settlements, and build cases against accident victims—because he used to do it himself.

Lupe’s insider knowledge is your advantage. He understands:

How insurance adjusters use software called Colossus to calculate the minimum they can pay you
Which “independent” medical examiners (IMEs) insurance companies favor because they consistently minimize injuries
How to counter the comparative fault arguments insurance adjusters will use to blame you for the accident
The real settlement authority limits that adjusters work within

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 something no other law firm in Seymour can offer. When we say we know how insurance companies think, we mean it literally.

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

At Attorney911, we don’t just talk about getting results—we prove it with our track record. Our firm has recovered millions of dollars for accident victims across Texas, including right here in our community. Here are just a few examples of our results:

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

“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.”

“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.”

These aren’t just numbers—they represent real people whose lives were changed by accidents, and who received the compensation they needed to move forward. When you choose Attorney911, you’re choosing a firm with the experience and resources to handle even the most complex motor vehicle accident cases.

4. We Offer the Personal Attention You Deserve

In Seymour, we value community and personal connections. That’s why we treat every client like family. Unlike large, impersonal law firms where you’re just another case number, at Attorney911 you’ll work directly with our attorneys and receive the personal attention you deserve.

Don’t just take our word for it—here’s what our clients say:

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

“I never felt like ‘just another case’ they were working on.” – Ambur Hamilton

“Consistent communication and not one time did I call and not get a clear answer…Ralph reached out personally.” – Dame Haskett

Our team includes dedicated case managers like Leonor, who clients consistently praise:

“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.” – Stephanie Hernandez

This level of personal care and communication is what sets Attorney911 apart from other law firms.

5. We’re Ready to Fight for You in Federal Court

Many motor vehicle accident cases can be handled in state court, but some require the resources and experience of a federal court practice. Ralph Manginello, our managing partner, is admitted to practice in the U.S. District Court for the Southern District of Texas. This federal court experience is crucial for:

Trucking accident cases involving interstate commerce
Cases against large corporations
Complex product liability claims
Cases with out-of-state defendants

Our federal court admission means we have the capability to handle even the most complex motor vehicle accident cases that other firms might turn away.

6. We’ve Taken on Billion-Dollar Corporations—and Won

Our involvement in the BP Texas City explosion litigation demonstrates our ability to handle high-stakes cases against massive corporations. As one of the few firms in Texas to be involved in this complex litigation, we’ve proven our capability to take on billion-dollar companies and fight for justice on behalf of accident victims.

This experience is invaluable when handling cases involving commercial vehicles, defective auto parts, or other complex motor vehicle accident claims.

Common Types of Motor Vehicle Accidents in Seymour, Texas

Seymour and Baylor County residents face a variety of motor vehicle accident risks. Here are some of the most common types of accidents we handle:

Car Accidents in Seymour

With 251,977 people injured in Texas car crashes in 2024, car accidents are by far the most common type of motor vehicle accident. In Seymour, we see car accidents caused by:

Distracted driving (texting, using GPS, eating)
Speeding on Highway 183 or rural roads
Failure to yield at intersections
Drunk or drugged driving
Poor weather conditions (ice, fog, heavy rain)
Vehicle defects (tire blowouts, brake failures)

Common injuries in car accidents include:

Whiplash and other soft tissue injuries
Herniated or bulging discs
Broken bones (arms, legs, ribs)
Traumatic brain injuries (TBI)
Spinal cord injuries
Internal organ damage
Psychological trauma (PTSD, anxiety, depression)

If you’ve been injured in a car accident in Seymour, it’s crucial to understand that insurance companies will try to minimize your injuries and pay you as little as possible. Having an experienced car accident attorney on your side can make all the difference in your recovery.

Trucking Accidents on Highway 183 and Beyond

Seymour is located along Highway 183, a major route for commercial vehicles traveling through Texas. Trucking accidents are particularly dangerous due to the size and weight of commercial vehicles. In 2024, there were 39,393 commercial motor vehicle crashes in Texas, resulting in 608 fatalities and 1,601 serious injuries.

Trucking accidents in our area often involve:

Semi-trucks and 18-wheelers
Tanker trucks carrying hazardous materials
Delivery trucks (UPS, FedEx, Amazon)
Agricultural vehicles
Construction vehicles

Why are trucking accidents so much more dangerous than car accidents? Consider these facts:

A fully loaded semi-truck can weigh up to 80,000 pounds—20 times more than the average passenger car
The stopping distance for a large truck is 40% longer than for a car
Trucks have large blind spots where smaller vehicles can disappear from view

At Attorney911, we have extensive experience handling trucking accident cases. We understand the complex regulations that govern the trucking industry, including:

Federal Motor Carrier Safety Administration (FMCSA) regulations
Hours of Service (HOS) rules that limit how long drivers can be on the road
Electronic Logging Device (ELD) requirements
Drug and alcohol testing requirements
Vehicle maintenance and inspection standards

When you’re injured in a trucking accident, you’re not just dealing with the truck driver—you’re often dealing with large trucking companies and their insurance carriers. These companies have teams of lawyers working to minimize their liability. That’s why you need a firm like Attorney911 with the resources and experience to level the playing field.

Drunk Driving Accidents in Baylor County

Drunk driving is a serious problem in Texas. In 2024, there were 1,053 alcohol-impaired driving deaths in our state—accounting for 25.37% of all traffic fatalities. In Seymour and the surrounding area, we see far too many drunk driving accidents, particularly on weekends and holidays.

If you’ve been injured by a drunk driver, you may be entitled to compensation not only from the driver but also from the establishment that served them alcohol. Texas has strong dram shop laws (Texas Alcoholic Beverage Code § 2.02) that allow accident victims to hold bars, restaurants, and other establishments accountable when they over-serve obviously intoxicated patrons.

To prove a dram shop claim, we must show that:

The establishment served alcohol to someone who was obviously intoxicated
The over-service was the proximate cause of the accident and your injuries

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

At Attorney911, we have extensive experience handling drunk driving cases, including those involving dram shop liability. Our firm’s background in criminal defense (through our membership in the Harris County Criminal Lawyers Association) gives us unique insight into these complex cases.

Motorcycle Accidents in Seymour and Baylor County

Motorcycle accidents are particularly devastating due to the lack of protection for riders. In 2024, there were 585 motorcyclist fatalities in Texas. While Seymour may not have the same volume of motorcycle traffic as larger cities, we still see our share of motorcycle accidents, particularly during the warmer months when riders are out enjoying the Texas countryside.

Common causes of motorcycle accidents in our area include:

Drivers failing to see motorcycles (especially at intersections)
Left-turn accidents (when a car turns left in front of an oncoming motorcycle)
Lane change accidents (when drivers don’t check blind spots)
Speeding or reckless driving
Road hazards (potholes, debris, uneven surfaces)
Drunk or distracted driving

Texas has specific laws regarding motorcycle safety:

Riders under 21 must wear helmets
Riders 21 and older can ride without a helmet if they’ve completed a safety course or have at least $10,000 in medical insurance
Lane splitting (riding between lanes of traffic) is illegal in Texas

Insurance companies often try to blame motorcyclists for accidents, even when the other driver was clearly at fault. This is where Texas’s 51% comparative fault rule becomes particularly important. If you’re found to be 51% or more at fault for the accident, you won’t be able to recover any compensation. That’s why it’s crucial to have an experienced motorcycle accident attorney on your side to protect your rights.

Pedestrian Accidents in Seymour

Pedestrian accidents are particularly devastating, as pedestrians have no protection against the force of a vehicle. In 2024, there were 6,095 pedestrian crashes in Texas, resulting in 768 fatalities. While Seymour may not have the same pedestrian traffic as larger cities, we still see pedestrian accidents, particularly in areas with heavy foot traffic.

Common locations for pedestrian accidents in Seymour include:

Downtown area near the courthouse and local businesses
School zones
Residential neighborhoods
Parking lots
Areas with poor lighting or visibility

One critical legal point that many people don’t know: Pedestrians always have the right-of-way at intersections in Texas, even at unmarked crosswalks. This means that anytime there’s an intersection of two streets, the distance between them is considered a crosswalk—even if there are no painted lines.

Common causes of pedestrian accidents include:

Drivers failing to yield the right-of-way
Distracted driving (texting, using GPS, etc.)
Speeding
Drunk or drugged driving
Poor visibility (nighttime, bad weather)
Backing up without checking

Pedestrian accidents often result in severe injuries, including:

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

If you or a loved one has been injured in a pedestrian accident in Seymour, it’s crucial to seek legal representation immediately. Insurance companies will often try to blame pedestrians for accidents, arguing that they weren’t paying attention or were jaywalking. An experienced pedestrian accident attorney can help protect your rights and fight for the compensation you deserve.

Hit and Run Accidents in Baylor County

Hit and run accidents are particularly frustrating for victims, as the at-fault driver has fled the scene, making it difficult to identify them and hold them accountable. Unfortunately, hit and run accidents are all too common in Texas. Nationally, someone is involved in a hit and run accident every 43 seconds.

In Texas, hit and run is a serious crime with severe penalties:

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 over $200: Class B misdemeanor (up to 6 months in jail, up to $2,000 fine)

If you’re the victim of a hit and run accident in Seymour, you may still be able to recover compensation through your own uninsured motorist (UM) coverage. Texas law allows for inter-policy stacking, which means you may be able to combine UM coverage from multiple vehicles on your policy.

At Attorney911, we have extensive experience handling hit and run cases. We know how to:

Work with law enforcement to identify the at-fault driver
Preserve evidence before it’s lost (surveillance footage is often deleted within 7-30 days)
Navigate the complex UM claims process
Maximize your recovery through all available insurance policies

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

If you’ve been involved in a motor vehicle accident in Seymour, your actions in the minutes, hours, and days following the accident can significantly impact your ability to recover compensation. Here’s what you should do:

At the Scene of the Accident

Check for injuries and call 911: Your health and safety are the top priority. Call 911 immediately if anyone is injured.
Move to a safe location: If possible, move your vehicle to the side of the road to avoid blocking traffic. Turn on your hazard lights.
Call the police: In Texas, you’re required to report accidents that result in injury, death, or property damage over $1,000. Even for minor accidents, having a police report can be crucial for your insurance claim.
Exchange information with the other driver(s): Get their name, phone number, address, driver’s license number, license plate number, and insurance information.
Document the scene: Take photos of all vehicles involved, the accident scene, road conditions, traffic signals, and any visible injuries. If there are witnesses, get their names and contact information.
Do NOT admit fault: Be polite, but don’t apologize or say anything that could be interpreted as an admission of fault. Stick to the facts when speaking with the police and other parties.

In the Hours and Days After the Accident

Seek medical attention: Even if you don’t think you’re seriously injured, it’s important to get checked out by a medical professional. Some injuries, like whiplash or traumatic brain injuries, may not show symptoms immediately. The Seymour Medical Clinic and nearby hospitals in Wichita Falls can provide the care you need.
Report the accident to your insurance company: You have a duty to report accidents to your own insurance company. However, be careful what you say. Stick to the facts and don’t give a recorded statement without consulting an attorney first.
Document everything: Keep a record of all medical appointments, treatments, and expenses. Save receipts for any out-of-pocket expenses related to the accident. Keep a journal documenting your pain levels, limitations, and how the accident has affected your daily life.
Be careful what you post on social media: Insurance companies will monitor your social media accounts for any posts that could be used to minimize your injuries. Avoid posting about the accident, your injuries, or your activities.
Contact an experienced motor vehicle accident attorney: The sooner you contact an attorney, the better. Evidence can disappear quickly, and insurance companies start building their case against you from day one.

The 48-Hour Evidence Preservation Protocol

At Attorney911, we know that evidence disappears quickly after an accident. That’s why we have a 48-hour evidence preservation protocol that we activate as soon as you retain our services:

Within 24 Hours:

We send preservation letters to all parties involved, including the other driver’s insurance company, any businesses near the accident scene, and the trucking company (if applicable).
We order the police report and 911 call recordings.
We identify and contact witnesses.
We begin collecting surveillance footage from nearby businesses (gas stations, retail stores, etc.), which is typically deleted within 7-30 days.

Within 48 Hours:

We photograph the accident scene before it changes.
We inspect the vehicles involved for evidence of impact and mechanical failure.
We obtain any available electronic data, such as black box data from commercial vehicles or GPS data from rideshare vehicles.
We send a spoliation letter to the at-fault party’s insurance company, putting them on notice that evidence must be preserved.

Within One Week:

We obtain your medical records and bills.
We identify all available insurance policies that may provide coverage.
We begin working with accident reconstruction experts if needed.
We prepare a demand package for the insurance company.

Every day that passes after your accident makes it more difficult to gather the evidence needed to prove your case. That’s why it’s crucial to contact an attorney as soon as possible after your accident.

Understanding Texas Motor Vehicle Accident Law

Texas has some of the most complex motor vehicle accident laws in the country. Understanding these laws is crucial for protecting your rights and maximizing your compensation. Here’s what you need to know:

Texas Is an At-Fault State

Texas follows an “at-fault” system for motor vehicle accidents. This means that the at-fault driver (or their insurance company) is responsible for paying for the damages caused by the accident. This is different from “no-fault” states, where each driver’s own insurance covers their injuries regardless of who caused the accident.

In Texas, you have three options for seeking compensation after an accident:

File a claim with your own insurance company (if you have collision coverage)
File a claim with the at-fault driver’s insurance company
File a lawsuit against the at-fault driver

The 2-Year Statute of Limitations

In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit. This deadline is known as the statute of limitations (Texas Civil Practice & Remedies Code § 16.003). If you don’t file your lawsuit within this 2-year window, you’ll be barred from seeking compensation through the court system.

There are a few exceptions to this rule:

If the victim is a minor, the 2-year clock doesn’t start running until they turn 18.
If the at-fault driver leaves the state, the clock may be paused until they return.
In some cases involving government entities, you may have as little as 6 months to file a claim.

It’s important to note that while you have 2 years to file a lawsuit, you should contact an attorney much sooner. Evidence can disappear, and memories can fade over time. The sooner you contact an attorney, the better your chances of building a strong case.

The 51% Comparative Fault Rule

Texas follows a “modified comparative fault” rule, which means that your ability to recover compensation depends on your percentage of fault for the accident. Here’s how it works:

If you are 50% or less at fault for the accident, you can recover compensation, but your recovery will be reduced by your percentage of fault.
If you are 51% or more at fault, you cannot recover any compensation.

For example:

If you’re found to be 20% at fault for an accident with $100,000 in damages, your recovery would be reduced by 20%, leaving you with $80,000.
If you’re found to be 51% at fault, you would recover nothing.

Insurance companies often try to assign as much fault as possible to accident victims to reduce their payouts. That’s why it’s crucial to have an experienced attorney on your side to protect your rights and ensure you’re not unfairly blamed for the accident.

Texas Minimum Auto Insurance Requirements

In Texas, all drivers are required to carry minimum auto insurance coverage:

$30,000 for bodily injury per person
$60,000 for bodily injury per accident
$25,000 for property damage per accident

Unfortunately, many drivers in Texas carry only the minimum required coverage—or no insurance at all. According to the Insurance Research Council, approximately 15.4% of Texas drivers are uninsured. That’s why it’s so important to carry uninsured/underinsured motorist (UM/UIM) coverage on your own policy.

UM/UIM coverage can provide compensation if:

The at-fault driver has no insurance
The at-fault driver’s insurance is insufficient to cover your damages
You’re the victim of a hit and run accident

Texas allows for inter-policy stacking, which means you may be able to combine UM/UIM coverage from multiple vehicles on your policy to increase your available coverage.

Dram Shop Liability in Texas

Texas has strong dram shop laws that allow accident victims to hold bars, restaurants, and other establishments accountable when they over-serve obviously intoxicated patrons who then cause accidents. Under Texas Alcoholic Beverage Code § 2.02, an establishment can be held liable if:

They served alcohol to someone who was obviously intoxicated
The over-service was the proximate cause of the accident and injuries

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

Dram shop claims can be particularly valuable in drunk driving cases, as they provide an additional source of compensation beyond the at-fault driver’s insurance policy.

Proving Liability in Your Motor Vehicle Accident Case

To recover compensation for your injuries, you’ll need to prove that the other driver was negligent and that their negligence caused your accident. In legal terms, this means proving four elements:

Duty of Care: The other driver had a legal duty to operate their vehicle safely and follow traffic laws.
Breach of Duty: The other driver violated their duty of care through their actions or inactions.
Causation: The other driver’s breach of duty directly caused your accident and injuries.
Damages: You suffered actual harm as a result of the accident.

Proving these elements requires evidence. At Attorney911, we know how to gather and present the evidence needed to build a strong case on your behalf. Here are some of the types of evidence we use:

Physical Evidence

Vehicle damage: Photos of all vehicles involved from multiple angles
Skid marks: Measurements and photos of skid marks at the scene
Debris: Photos of debris patterns that can help reconstruct the accident
Road conditions: Photos of the road surface, traffic signals, and any hazards
Injuries: Photos of visible injuries

Documentary Evidence

Police report: A crucial document that provides an official account of the accident
911 call recordings: Can provide valuable information about the accident
Traffic camera footage: May capture the accident as it happened
Surveillance footage: From nearby businesses, which is often deleted within 7-30 days
Medical records: Documenting your injuries and treatment
Employment records: Showing your lost wages and earning capacity
Cell phone records: Proving distracted driving
Vehicle maintenance records: For commercial vehicles

Electronic Evidence

Electronic Logging Device (ELD) data: From commercial trucks, showing hours of service and vehicle speed
Event Data Recorder (EDR) or “black box” data: From passenger vehicles, showing speed, braking, and other vehicle data
GPS data: From rideshare vehicles or commercial trucks
Dashcam footage: From your vehicle or other vehicles involved
Social media posts: From the at-fault driver (not from you)

Testimonial Evidence

Witness statements: From people who saw the accident happen
Expert witness testimony: From accident reconstructionists, medical experts, vocational experts, and economists
Your own testimony: About how the accident happened and how it has affected your life

At Attorney911, we know how to gather and preserve this evidence quickly before it’s lost. We work with accident reconstruction experts, medical professionals, and other specialists to build the strongest possible case on your behalf.

Understanding Your Damages: What Compensation Can You Recover?

If you’ve been injured in a motor vehicle accident in Seymour, you may be entitled to compensation for a wide range of damages. At Attorney911, we fight to recover every dollar you’re entitled to under Texas law. Here are the types of damages we pursue for our clients:

Economic Damages (No Cap in Texas)

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

Medical Expenses:
- Emergency room visits
- Hospital stays
- Surgeries and medical procedures
- Doctor visits
- Physical therapy and rehabilitation
- Prescription medications
- Medical equipment (wheelchairs, crutches, etc.)
- Future medical expenses
Lost Wages:
- Income lost from the time of your accident until settlement or trial
- Loss of earning capacity if you’re unable to return to your previous job or work at all
Property Damage:
- Cost of repairing or replacing your vehicle
- Cost of repairing or replacing other personal property damaged in the accident
Out-of-Pocket Expenses:
- Transportation to and from medical appointments
- Home modifications to accommodate disabilities
- Household help if you’re unable to perform daily tasks
- Childcare expenses

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

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

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

Punitive Damages (Capped in Texas)

Punitive damages, also known as exemplary damages, are intended to punish the defendant for particularly egregious conduct and to deter similar behavior in the future. In Texas, punitive damages are available in cases involving fraud, malice, or gross negligence.

To recover punitive damages, you must prove by clear and convincing evidence that the defendant’s actions were:

Objective: The act or omission involved an extreme degree of risk, considering the probability and magnitude of potential harm to others.
Subjective: The defendant had actual, subjective awareness of the risk involved but proceeded with conscious indifference to the rights, safety, or welfare of others.

Punitive damages are capped in Texas at the greater of:

$200,000, OR
Two times the amount of economic damages plus an amount equal to non-economic damages (capped at $750,000 for the non-economic portion)

Common situations where punitive damages may be available include:

Drunk driving accidents
Extreme speeding or reckless driving
Hit and run accidents
Cases involving known vehicle defects

How Damages Are Calculated

There’s no one-size-fits-all formula for calculating damages in a motor vehicle accident case. The value of your case depends on a variety of factors, including:

The severity of your injuries
The cost of your medical treatment
The impact on your ability to work
The impact on your daily life and activities
The strength of the evidence in your case
The amount of available insurance coverage
The skill and experience of your attorney

At Attorney911, we work with medical experts, vocational experts, economists, and life care planners to accurately calculate the full value of your damages. We don’t just look at your current medical bills—we consider the long-term impact of your injuries on your life and your future.

How Insurance Companies Try to Minimize Your Claim

At Attorney911, we know how insurance companies operate because our team includes a former insurance defense attorney. We’ve seen firsthand the tactics insurance companies use to minimize payouts and protect their profits. Here are some of the most common insurance company tactics and how we counter them:

1. The Quick Cash Trap: Lowball Offers Within Days of Your Accident

What They Do:
Within days of your accident—often while you’re still in the hospital or recovering at home—the insurance company will contact you with a “quick cash” offer. They’ll present it as a way to get money fast to help with your immediate expenses.

Why It’s a Trap:

You don’t know the full extent of your injuries yet
You don’t know your long-term prognosis
You don’t know the full value of your case
Early offers are always far below what your case is actually worth

The Reality:
Insurance companies know that if they can get you to accept a quick settlement, they’ll save thousands or even millions of dollars. Once you sign a release, you can’t go back for more money—even if you discover later that you need surgery or will be permanently disabled.

How We Counter It:

We never let our clients accept early settlement offers
We ensure you’ve reached maximum medical improvement (MMI) before considering any settlement
We calculate the full value of your case, including future medical expenses and lost earning capacity
We negotiate aggressively for a fair settlement

2. The Recorded Statement Trap: Building Their Case Against You

What They Do:
The insurance adjuster will call you and ask for a “recorded statement.” They’ll make it sound like a routine part of the claims process, but their real goal is to get you to say something that can be used against you later.

Why It’s a Trap:

Anything you say can be used to minimize your claim
They’ll ask leading questions designed to get you to admit fault or minimize your injuries
They’ll use your words to argue that your injuries aren’t as serious as you claim

Common Questions They Ask:

“You’re feeling better now, right?”
“It wasn’t that bad of an impact, was it?”
“You were able to walk away from the scene, weren’t you?”
“Were you distracted at all?”
“How fast were you going?”

How We Counter It:

We never let our clients give recorded statements without our guidance
We prepare you thoroughly for any statements you do give
We handle all communication with the insurance company on your behalf
We know their tactics because Lupe used them for years—now we use that knowledge to protect you

3. The IME Scheme: Independent Medical Exams That Aren’t Independent

What They Do:
The insurance company will ask you to submit to an “independent medical examination” (IME) with a doctor of their choosing. They’ll present it as a routine part of the claims process, but the reality is far different.

Why It’s a Trap:

The doctors are hired and paid by the insurance company
They’re selected because they consistently minimize injuries
The exams are often cursory and designed to find reasons to deny your claim
The doctors rarely review your complete medical records beforehand

Common IME Findings:

“Patient has pre-existing degenerative changes” (used to deny claims)
“Injuries consistent with minor trauma” (minimizes your pain and suffering)
“Patient can return to full duty work” (eliminates lost wage claims)
“Treatment has been excessive” (attacks your treating doctors)
“Subjective complaints out of proportion to objective findings” (calls you a liar)

How We Counter It:

We prepare you thoroughly for the IME
We send your complete medical records to the IME doctor beforehand
We challenge biased IME reports with our own medical experts
We know which IME doctors insurance companies favor because Lupe hired them for years

4. The Delay, Deny, Defend Strategy: Wearing You Down

What They Do:
The insurance company will drag out your claim for months or even years, hoping you’ll get desperate and accept a lowball offer. They’ll:

Claim they’re still “investigating” your claim
“Lose” documents you’ve sent them
Take weeks to respond to simple questions
Ignore your calls and emails

Why It’s a Trap:

They’re earning interest on your settlement money while you struggle to pay bills
Evidence disappears over time (witnesses move, memories fade, surveillance footage is deleted)
The longer they delay, the more desperate you become
Many people give up or accept lowball offers just to end the process

How We Counter It:

We file lawsuits to force deadlines
We set depositions to compel action
We prepare for trial to show we’re serious
We know their delay tactics because Lupe used them for years

5. The Surveillance Game: Catching You in “Gotcha” Moments

What They Do:
Insurance companies hire private investigators to follow you and film your daily activities. They’re looking for any activity that can be used to argue that your injuries aren’t as serious as you claim.

What They Monitor:

Your daily activities (walking, driving, shopping)
Your social media accounts (Facebook, Instagram, TikTok, etc.)
Posts from your friends and family that mention you
Your comings and goings from your home, work, and medical appointments

Common Surveillance Tactics:

Filming you from public places (your driveway, the street, stores)
Using facial recognition to find photos you’re tagged in
Creating fake profiles to send you friend requests
Archiving your deleted social media content
Subpoenaing your “private” social media content

How We Counter It:

We advise all our clients to make their social media profiles private immediately
We tell clients not to post about the accident, their injuries, or their activities
We warn friends and family not to post about you or tag you in photos
We know their surveillance tactics because Lupe used them for years

6. The Comparative Fault Blame Game: Shifting Responsibility to You

What They Do:
Insurance companies will try to assign as much fault as possible to you to reduce their payout. They’ll argue that:

You were speeding
You weren’t paying attention
You could have avoided the accident
You were distracted
You contributed to the accident

Why It’s a Trap:
Texas’s 51% comparative fault rule means that if you’re found to be 51% or more at fault, you won’t recover anything. Even if you’re found to be less than 51% at fault, your recovery will be reduced by your percentage of fault.

How We Counter It:

We conduct thorough investigations to prove the other driver’s fault
We gather witness statements, accident reconstruction reports, and other evidence
We know their comparative fault arguments because Lupe made them for years—now we defeat them

7. The Colossus System: How Insurance Companies Really Value Your Claim

What It Is:
Colossus is a software system used by many insurance companies, including Allstate, State Farm, and Liberty Mutual, to calculate the value of personal injury claims.

How It Works:

The adjuster inputs information about your injuries, treatment, and other factors
The system applies algorithms to calculate a recommended settlement range
The adjuster typically cannot exceed this range without supervisor approval

How They Manipulate It:

Using low injury codes to minimize your claim
Flagging excessive treatment to reduce value
Penalizing conservative treatment (chiropractic valued less than MD)
Reducing value for pre-existing conditions
Applying low jurisdiction factors for low-verdict counties

How We Counter It:

We know how to present your medical records to maximize Colossus valuations
We know which medical terms trigger higher valuations
We know when Colossus outputs are artificially low
Lupe calculated these valuations for years—now he uses that knowledge to beat the system

Why Choose Attorney911 for Your Seymour Motor Vehicle Accident Case?

When you’re injured in a motor vehicle accident in Seymour, you have many options for legal representation. Here’s why Attorney911 is the right choice for you:

1. We Have the Experience to Handle Your Case

With 25+ years of experience handling motor vehicle accident cases across Texas, including right here in Seymour, our team has the knowledge and resources to handle even the most complex cases. Ralph Manginello, our managing partner, has been practicing law since 1998 and has handled thousands of motor vehicle accident cases.

Our experience includes:

Car accidents of all types and severities
Trucking accidents involving commercial vehicles
Drunk driving accidents and dram shop liability cases
Motorcycle accidents
Pedestrian and bicycle accidents
Hit and run accidents
Uninsured/underinsured motorist claims
Wrongful death cases

2. We Have a Unique Advantage: A Former Insurance Defense Attorney

This is what truly sets Attorney911 apart from other law firms. Our associate attorney, Lupe Peña, spent years working for a national insurance defense firm. He knows exactly how insurance companies evaluate claims, calculate settlements, and build cases against accident victims—because he used to do it himself.

Lupe’s insider knowledge gives us a significant advantage in your case. He understands:

How insurance adjusters use software called Colossus to calculate the minimum they can pay you
Which “independent” medical examiners (IMEs) insurance companies favor because they consistently minimize injuries
How to counter the comparative fault arguments insurance adjusters will use to blame you for the accident
The real settlement authority limits that adjusters work within

This insider perspective is something no other law firm in Seymour can offer. When we say we know how insurance companies think, we mean it literally.

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

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

“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.”

“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.”

These aren’t just numbers—they represent real people whose lives were changed by accidents, and who received the compensation they needed to move forward.

4. We Offer the Personal Attention You Deserve

Don’t just take our word for it—here’s what our clients say:

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

“I never felt like ‘just another case’ they were working on.” – Ambur Hamilton

“Consistent communication and not one time did I call and not get a clear answer…Ralph reached out personally.” – Dame Haskett

Our team includes dedicated case managers like Leonor, who clients consistently praise:

“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.” – Stephanie Hernandez

This level of personal care and communication is what sets Attorney911 apart from other law firms.

5. We’re Ready to Fight for You in Federal Court

Trucking accident cases involving interstate commerce
Cases against large corporations
Complex product liability claims
Cases with out-of-state defendants

Our federal court admission means we have the capability to handle even the most complex motor vehicle accident cases that other firms might turn away.

6. We’ve Taken on Billion-Dollar Corporations—and Won

This experience is invaluable when handling cases involving commercial vehicles, defective auto parts, or other complex motor vehicle accident claims.

7. We Offer Free Consultations and Work on a Contingency Fee Basis

At Attorney911, we believe that everyone should have access to quality legal representation, regardless of their financial situation. That’s why we offer free consultations and work on a contingency fee basis.

Here’s what that means for you:

Free consultation: We’ll review your case at no cost to you and explain your legal options.
No upfront fees: You don’t pay anything to hire us.
No fee unless we win: We only get paid if we recover compensation for you. If we don’t win your case, you owe us nothing.
Percentage of recovery: Our fee is a percentage of the compensation we recover for you.

This arrangement allows you to get the legal help you need without worrying about upfront costs or hourly fees. It also means that our interests are aligned with yours—we only succeed if you do.

Common Motor Vehicle Accident Injuries and Their Impact

Motor vehicle accidents can cause a wide range of injuries, from minor cuts and bruises to catastrophic, life-altering conditions. At Attorney911, we understand the physical, emotional, and financial toll these injuries can take on you and your family. Here are some of the most common motor vehicle accident injuries we see and their potential impact:

Traumatic Brain Injuries (TBI)

Traumatic brain injuries are among the most serious injuries that can result from a motor vehicle accident. They can range from mild concussions to severe, life-threatening brain damage.

Types of TBI:

Mild TBI (Concussion): Brief loss of consciousness, confusion, headache, dizziness
Moderate TBI: Loss of consciousness lasting minutes to hours, confusion lasting days to weeks
Severe TBI: Extended unconsciousness or coma, permanent cognitive impairment

Common Causes in Motor Vehicle Accidents:

Hitting your head on the steering wheel, dashboard, or window
Whiplash that causes the brain to move inside the skull
Penetrating injuries from flying debris or shattered glass

Symptoms to Watch For:

Headaches that worsen over time
Nausea or vomiting
Dizziness or balance problems
Blurred vision or sensitivity to light
Ringing in the ears
Mood changes or irritability
Memory problems or confusion
Difficulty concentrating
Sleep disturbances

Long-Term Impact:

Chronic headaches
Cognitive impairment (memory, attention, problem-solving)
Personality changes
Depression and anxiety
Increased risk of dementia later in life
Permanent disability

At Attorney911, we understand the complex medical and legal issues involved in TBI cases. We work with medical experts to document the full extent of your injuries and fight for the compensation you need to cover your medical expenses, lost wages, and pain and suffering.

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

Spinal Cord Injuries and Paralysis

Spinal cord injuries are among the most devastating injuries that can result from a motor vehicle accident. They can cause partial or complete paralysis, requiring lifelong medical care and assistance.

Types of Spinal Cord Injuries:

Complete Injury: Total loss of function below the level of injury
Incomplete Injury: Some function remains below the level of injury

Levels of Injury:

Cervical (Neck): Can result in quadriplegia (paralysis of all four limbs)
Thoracic (Mid-Back): Can result in paraplegia (paralysis of the lower body)
Lumbar (Lower Back): Can result in partial paralysis of the lower body

Common Causes in Motor Vehicle Accidents:

High-speed collisions
Rear-end collisions causing whiplash
Ejection from the vehicle
Penetrating injuries from flying debris

Long-Term Impact:

Permanent paralysis
Loss of sensation and function
Chronic pain
Bowel and bladder dysfunction
Sexual dysfunction
Increased risk of pressure sores and infections
Depression and anxiety
Lifelong medical care and assistance

Lifetime Costs of Spinal Cord Injuries:

Injury Level	First Year Costs	Each Subsequent Year	Lifetime Costs (Age 25)
High Tetraplegia (C1-C4)	$1,200,000	$200,000	$6,000,000+
Low Tetraplegia (C5-C8)	$850,000	$75,000	$3,700,000+
Paraplegia (T1-L5)	$500,000	$70,000	$2,500,000+

At Attorney911, we understand the financial and emotional toll that spinal cord injuries can take on you and your family. We work with medical experts, life care planners, and economists to calculate the full lifetime cost of your injury and fight for the compensation you need to cover your medical expenses, lost wages, and pain and suffering.

Herniated and Bulging Discs

Herniated and bulging discs are common injuries in motor vehicle accidents, particularly in rear-end collisions. These injuries occur when the soft, gel-like center of a spinal disc pushes through a tear in the outer layer, putting pressure on nearby nerves.

Types of Disc Injuries:

Bulging Disc: The disc bulges outward but doesn’t rupture
Herniated Disc: The disc ruptures, allowing the gel-like center to leak out
Sequestered Disc: A piece of the disc breaks off and floats in the spinal canal

Common Symptoms:

Back or neck pain
Radiating pain into the arms or legs (sciatica)
Numbness or tingling
Muscle weakness
Difficulty walking or standing

Treatment Options:

Physical therapy and chiropractic care
Pain management (medications, injections)
Surgery (discectomy, spinal fusion)

Long-Term Impact:

Chronic pain
Limited mobility
Permanent nerve damage
Increased risk of future back problems
Inability to return to physical work

At Attorney911, we understand the impact that herniated and bulging discs can have on your life. We work with medical experts to document the full extent of your injuries and fight for the compensation you need to cover your medical expenses, lost wages, and pain and suffering.

Broken Bones and Fractures

Broken bones and fractures are common injuries in motor vehicle accidents. They can range from simple fractures that heal with a cast to complex fractures that require surgery and extensive rehabilitation.

Common Types of Fractures:

Simple Fracture: The bone breaks but doesn’t pierce the skin
Compound Fracture: The bone breaks and pierces the skin
Comminuted Fracture: The bone shatters into multiple pieces
Greenstick Fracture: The bone bends and cracks but doesn’t break completely (common in children)

Common Fractures in Motor Vehicle Accidents:

Arms and legs
Ribs
Pelvis
Collarbone
Facial bones
Skull

Treatment Options:

Casting
Bracing
Surgery (pins, plates, screws)
Physical therapy

Long-Term Impact:

Chronic pain
Limited mobility
Permanent disability
Increased risk of arthritis
Nerve damage

At Attorney911, we understand the pain and inconvenience that broken bones can cause. We work with medical experts to document the full extent of your injuries and fight for the compensation you need to cover your medical expenses, lost wages, and pain and suffering.

Soft Tissue Injuries

Soft tissue injuries are among the most common injuries in motor vehicle accidents. They include injuries to muscles, tendons, and ligaments, and can range from mild strains to severe tears.

Common Types of Soft Tissue Injuries:

Whiplash: A neck injury caused by rapid back-and-forth movement of the head
Sprains: Stretching or tearing of ligaments
Strains: Stretching or tearing of muscles or tendons
Contusions: Bruises caused by blunt force trauma

Common Symptoms:

Pain
Swelling
Stiffness
Limited range of motion
Weakness

Treatment Options:

Rest, ice, compression, elevation (RICE)
Physical therapy
Chiropractic care
Pain management
Massage therapy

Long-Term Impact:

Chronic pain
Limited mobility
Increased risk of future injuries
Permanent disability

At Attorney911, we understand that soft tissue injuries can be just as debilitating as more visible injuries. We work with medical experts to document the full extent of your injuries and fight for the compensation you need to cover your medical expenses, lost wages, and pain and suffering.

Internal Injuries

Internal injuries are among the most dangerous injuries that can result from a motor vehicle accident. They can be difficult to diagnose and can cause life-threatening complications if not treated promptly.

Common Types of Internal Injuries:

Internal Bleeding: Bleeding inside the body, often in the abdomen or chest
Organ Damage: Damage to the liver, spleen, kidneys, or other organs
Punctured Lungs: Caused by broken ribs or penetrating injuries
Aortic Rupture: A tear in the body’s main artery, which can be fatal

Common Symptoms:

Abdominal pain or swelling
Dizziness or fainting
Shortness of breath
Chest pain
Rapid heart rate
Low blood pressure

Treatment Options:

Emergency surgery
Blood transfusions
Medications to control bleeding
Monitoring in the ICU

Long-Term Impact:

Chronic pain
Organ dysfunction
Increased risk of future health problems
Permanent disability

At Attorney911, we understand the seriousness of internal injuries and the importance of prompt medical treatment. We work with medical experts to document the full extent of your injuries and fight for the compensation you need to cover your medical expenses, lost wages, and pain and suffering.

Psychological Injuries

Motor vehicle accidents don’t just cause physical injuries—they can also cause significant psychological trauma. Many accident victims experience anxiety, depression, and post-traumatic stress disorder (PTSD) in the aftermath of a crash.

Common Psychological Injuries:

Post-Traumatic Stress Disorder (PTSD): A mental health condition triggered by a traumatic event
Anxiety: Excessive worry, fear, or unease
Depression: Persistent feelings of sadness, hopelessness, or loss of interest
Phobias: Irrational fears, such as a fear of driving or riding in cars
Sleep Disturbances: Insomnia, nightmares, or night terrors

Common Symptoms:

Flashbacks or nightmares about the accident
Avoidance of reminders of the accident (driving, certain roads, etc.)
Increased anxiety or irritability
Difficulty concentrating
Sleep disturbances
Mood swings
Feelings of hopelessness or despair

Treatment Options:

Therapy (cognitive behavioral therapy, exposure therapy)
Medications (antidepressants, anti-anxiety medications)
Support groups
Mindfulness and relaxation techniques

Long-Term Impact:

Chronic anxiety or depression
Difficulty returning to work or daily activities
Strained relationships with family and friends
Increased risk of substance abuse

At Attorney911, we understand the impact that psychological injuries can have on your life. We work with mental health professionals to document the full extent of your injuries and fight for the compensation you need to cover your treatment expenses, lost wages, and pain and suffering.

Frequently Asked Questions About Motor Vehicle Accidents in Seymour, Texas

If you’ve been injured in a motor vehicle accident in Seymour, you probably have many questions about your rights and the legal process. Here are answers to some of the most common questions we hear from our clients:

What should I do immediately after a car accident in Seymour, Texas?

If you’ve been involved in a car accident in Seymour, here’s what you should do:

Check for injuries and call 911: Your health and safety are the top priority. Call 911 immediately if anyone is injured.
Move to a safe location: If possible, move your vehicle to the side of the road to avoid blocking traffic. Turn on your hazard lights.
Call the police: In Texas, you’re required to report accidents that result in injury, death, or property damage over $1,000. Even for minor accidents, having a police report can be crucial for your insurance claim.
Exchange information with the other driver(s): Get their name, phone number, address, driver’s license number, license plate number, and insurance information.
Document the scene: Take photos of all vehicles involved, the accident scene, road conditions, traffic signals, and any visible injuries. If there are witnesses, get their names and contact information.
Do NOT admit fault: Be polite, but don’t apologize or say anything that could be interpreted as an admission of fault. Stick to the facts when speaking with the police and other parties.
Seek medical attention: Even if you don’t think you’re seriously injured, it’s important to get checked out by a medical professional. Some injuries, like whiplash or traumatic brain injuries, may not show symptoms immediately.
Report the accident to your insurance company: You have a duty to report accidents to your own insurance company. However, be careful what you say. Stick to the facts and don’t give a recorded statement without consulting an attorney first.
Contact an experienced motor vehicle accident attorney: The sooner you contact an attorney, the better. Evidence can disappear quickly, and insurance companies start building their case against you from day one.

Should I call the police even for a minor accident?

Yes, you should always call the police after a car accident in Texas, even if it seems minor. Here’s why:

Legal requirement: In Texas, you’re required to report accidents that result in injury, death, or property damage over $1,000.
Official record: A police report provides an official record of the accident, which can be crucial for your insurance claim.
Evidence collection: Police officers are trained to collect evidence and document the scene, which can help establish fault.
Witness statements: Police officers can interview witnesses and document their statements.
Exchange of information: The police report will include the other driver’s information, which you’ll need for your insurance claim.

Even if the police don’t come to the scene (which can happen with minor accidents in some areas), you should still file a report with the Seymour Police Department or the Baylor County Sheriff’s Office as soon as possible.

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

Absolutely. Even if you don’t think you’re seriously injured, it’s important to get checked out by a medical professional after a car accident. Here’s why:

Some injuries don’t show symptoms immediately: Adrenaline can mask pain, and some injuries, like whiplash or traumatic brain injuries, may not show symptoms for hours or even days after the accident.
Documentation for your claim: Medical records provide crucial documentation for your insurance claim. Without them, the insurance company may argue that your injuries aren’t serious or aren’t related to the accident.
Preventing further injury: Some injuries, like internal bleeding, can become life-threatening if not treated promptly.
Following doctor’s orders: If you do have injuries, following your doctor’s treatment plan is crucial for your recovery and your legal case. Insurance companies will look for gaps in treatment to argue that your injuries aren’t serious.

In Seymour, you can seek medical attention at the Seymour Medical Clinic or at nearby hospitals in Wichita Falls. If you’re seriously injured, call 911 for emergency medical assistance.

What information should I collect at the scene of the accident?

At the scene of the accident, you should collect the following information:

Other driver’s information:
- Name
- Phone number
- Address
- Driver’s license number
- License plate number
- Insurance company and policy number
Witness information:
- Names
- Phone numbers
- Addresses
Accident details:
- Date and time of the accident
- Location of the accident (street names, landmarks, etc.)
- Weather and road conditions
- Description of what happened
- Diagram of the accident scene
Photos:
- All vehicles involved (from multiple angles)
- The accident scene
- Road conditions and traffic signals
- Any visible injuries
- Any property damage
Police information:
- Officer’s name and badge number
- Police report number

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 of the accident. Here’s what you should do instead:

Exchange information only: Stick to exchanging the necessary information (name, phone number, address, driver’s license number, license plate number, insurance information).
Be polite but cautious: You can be polite and check on the other driver’s well-being, but don’t apologize or say anything that could be interpreted as an admission of fault.
Stick to the facts: When speaking with the police, stick to the facts of what happened. Don’t speculate or offer opinions about who was at fault.
Don’t discuss your injuries: Don’t say things like “I’m fine” or “I’m not hurt.” Some injuries may not show symptoms immediately, and these statements can be used against you later.

Remember, anything you say at the scene of the accident can be used against you later by the insurance company. It’s best to limit your conversation with the other driver and let your attorney handle any discussions about fault.

How do I obtain a copy of the accident report?

In Seymour, you can obtain a copy of the accident report from the Seymour Police Department or the Baylor County Sheriff’s Office, depending on which agency responded to the accident. You can also obtain the report through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Here’s how to obtain the report:

Contact the responding agency: Call or visit the Seymour Police Department or the Baylor County Sheriff’s Office and ask how to obtain a copy of the accident report.
Request through CRIS: You can request the report online through the Texas Department of Transportation’s Crash Records Information System (CRIS) at https://cris.dot.state.tx.us/.
Provide necessary information: You’ll need to provide the date of the accident, the location, and the names of the drivers involved.
Pay any required fees: There may be a small fee for obtaining a copy of the accident report.

The accident report is a crucial document for your insurance claim and any potential legal case. It provides an official record of the accident and can help establish fault.

Should I give a recorded statement to the insurance company?

No, you should not give a recorded statement to the other driver’s insurance company without consulting an attorney first. Here’s why:

Anything you say can be used against you: The insurance adjuster is trained to ask leading questions designed to get you to say something that can be used to minimize your claim.
You’re not required to give a statement: You have no legal obligation to give a recorded statement to the other driver’s insurance company.
You may not know the full extent of your injuries: You may not know the full extent of your injuries or the impact of the accident on your life yet. Anything you say can be used to argue that your injuries aren’t as serious as you claim.
The adjuster is not on your side: The insurance adjuster’s job is to protect the insurance company’s interests, not yours. They’re looking for ways to minimize the company’s payout.

If the other driver’s insurance company contacts you, politely decline to give a recorded statement and refer them to your attorney. At Attorney911, we handle all communication with the insurance company on your behalf.

What if the other driver’s insurance contacts me?

If the other driver’s insurance company contacts you, here’s what you should do:

Do NOT give a recorded statement: Politely decline to give a recorded statement and refer them to your attorney.
Do NOT discuss fault: Stick to the facts and don’t discuss who was at fault for the accident.
Do NOT discuss your injuries: Don’t say anything about your injuries or how you’re feeling.
Do NOT accept any settlement offers: Early settlement offers are always lowball offers. Don’t accept or sign anything without consulting an attorney first.
Refer them to your attorney: If you have an attorney, refer the insurance company to them. If you don’t have an attorney yet, tell the insurance company that you’ll be hiring one and will have them contact the adjuster.

Remember, the insurance adjuster is not on your side. Their job is to protect the insurance company’s interests, not yours. At Attorney911, we handle all communication with the insurance company on your behalf.

Do I have to accept the insurance company’s estimate for my vehicle repairs?

No, you don’t have to accept the insurance company’s estimate for your vehicle repairs. Here’s what you should know:

The insurance company’s estimate is just an offer: It’s not a final determination of what your repairs will cost.
You have the right to choose your own repair shop: The insurance company can’t force you to use a specific repair shop.
You can get a second opinion: If you disagree with the insurance company’s estimate, you can get an estimate from your own repair shop and negotiate with the insurance company.
You can dispute the estimate: If the insurance company’s estimate is too low, you can dispute it and provide evidence to support your position.

At Attorney911, we can help you navigate the vehicle repair process and ensure that you’re treated fairly by the insurance company.

Should I accept a quick settlement offer from the insurance company?

No, you should never accept a quick settlement offer from the insurance company without consulting an attorney first. Here’s why:

Early offers are always lowball offers: Insurance companies know that if they can get you to accept a quick settlement, they’ll save thousands or even millions of dollars.
You don’t know the full extent of your injuries yet: Some injuries, like whiplash or traumatic brain injuries, may not show symptoms for days or even weeks after the accident. If you accept a settlement before you know the full extent of your injuries, you may be leaving money on the table.
You don’t know the full value of your case yet: The value of your case depends on many factors, including the severity of your injuries, the cost of your medical treatment, the impact on your ability to work, and the impact on your daily life. It takes time to gather all the necessary information to accurately calculate the value of your case.
Once you sign a release, you can’t go back for more money: If you accept a settlement and later discover that your injuries are more serious than you thought, you can’t go back to the insurance company for more money. The release you sign is permanent and final.

At Attorney911, we never let our clients accept early settlement offers. We ensure you’ve reached maximum medical improvement (MMI) before considering any settlement, and we calculate the full value of your case to ensure you receive fair compensation.

What if I have a pre-existing condition?

If you have a pre-existing condition, you can still recover compensation for your injuries. Here’s what you need to know:

The “eggshell plaintiff” rule: Under Texas law, the at-fault driver takes you as they find you. This means that if you have a pre-existing condition that makes you more susceptible to injury, the at-fault driver is still responsible for the full extent of your injuries.
Aggravation of pre-existing conditions: If the accident aggravated or worsened your pre-existing condition, you’re entitled to compensation for the aggravation.
Medical documentation is key: It’s important to have medical documentation showing the state of your pre-existing condition before the accident and how it has worsened as a result of the accident.

At Attorney911, we work with medical experts to document the aggravation of pre-existing conditions and fight for the compensation you deserve.

What if I was partially at fault for the accident?

If you were partially at fault for the accident, you can still recover compensation under Texas’s comparative fault rule. Here’s how it works:

If you’re 50% or less at fault: You can recover compensation, but your recovery will be reduced by your percentage of fault.
If you’re 51% or more at fault: You cannot recover any compensation.

For example:

If you’re found to be 20% at fault for an accident with $100,000 in damages, your recovery would be reduced by 20%, leaving you with $80,000.
If you’re found to be 51% at fault, you would recover nothing.

Do I have a personal injury case?

You may have a personal injury case if:

Someone else was at fault for the accident (even partially)
You suffered injuries or damages as a result of the accident
There is insurance coverage available to compensate you for your injuries

At Attorney911, we offer free consultations to review your case and explain your legal options. Call us at 1-888-ATTY-911 to schedule your free consultation.

When should I hire a car accident lawyer?

You should hire a car accident lawyer as soon as possible after your accident. Here’s why:

Evidence disappears quickly: Witnesses move, memories fade, and surveillance footage is deleted. The sooner you hire an attorney, the better your chances of preserving crucial evidence.
Insurance companies start building their case against you from day one: The sooner you have an attorney on your side, the better your chances of protecting your rights.
Medical treatment is crucial: An attorney can help you get the medical treatment you need and ensure that your medical records accurately document your injuries.
Deadlines are approaching: In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit. The sooner you hire an attorney, the better your chances of meeting this deadline.

At Attorney911, we offer free consultations and work on a contingency fee basis, which means you don’t pay anything unless we recover compensation for you. Call us at 1-888-ATTY-911 to schedule your free consultation.

How much time do I have to file a lawsuit (statute of limitations)?

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

There are a few exceptions to this rule:

If the victim is a minor, the 2-year clock doesn’t start running until they turn 18.
If the at-fault driver leaves the state, the clock may be paused until they return.
In some cases involving government entities, you may have as little as 6 months to file a claim.

What is comparative negligence and how does it affect me?

Comparative negligence is a legal principle that determines how fault is allocated in an accident and how that fault affects your ability to recover compensation. Texas follows a “modified comparative negligence” rule, which means:

If you’re 50% or less at fault: You can recover compensation, but your recovery will be reduced by your percentage of fault.
If you’re 51% or more at fault: You cannot recover any compensation.

For example:

If you’re found to be 20% at fault for an accident with $100,000 in damages, your recovery would be reduced by 20%, leaving you with $80,000.
If you’re found to be 51% at fault, you would recover nothing.

What is the legal process step-by-step?

Here’s a step-by-step overview of the legal process for a motor vehicle accident case:

Investigation and Evidence Gathering:
- We gather evidence, including police reports, witness statements, medical records, and photos of the accident scene.
- We send preservation letters to all parties involved to ensure that crucial evidence is not lost or destroyed.
Medical Treatment:
- You continue with your medical treatment until you reach maximum medical improvement (MMI), which is the point at which your condition has stabilized and is not expected to improve further.
Demand Letter:
- Once you’ve reached MMI, we prepare a demand letter to the insurance company outlining the facts of the case, the extent of your injuries, and the compensation you’re seeking.
Negotiation:
- We negotiate with the insurance company to try to reach a fair settlement. This process can take several months.
Lawsuit (if necessary):
- If we’re unable to reach a fair settlement with the insurance company, we may file a lawsuit on your behalf.
- The lawsuit process includes several stages, including discovery, mediation, and trial.
Discovery:
- During the discovery phase, both sides exchange information and evidence. This can include written questions (interrogatories), requests for documents, and depositions (sworn testimony given outside of court).
Mediation:
- Before going to trial, the court will typically order mediation, which is a process in which a neutral third party (the mediator) tries to help the parties reach a settlement.
Trial (if necessary):
- If we’re unable to reach a settlement through negotiation or mediation, your case may go to trial. At trial, we’ll present evidence and arguments to a judge or jury, who will decide the outcome of your case.
Appeal (if necessary):
- If either side is unhappy with the outcome of the trial, they may appeal the decision to a higher court.

At Attorney911, we guide you through every step of this process and fight for the maximum compensation you deserve.

Will my case go to trial?

Most motor vehicle accident cases settle before going to trial. However, at Attorney911, 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.

Whether your case goes to trial depends on several factors, including:

The strength of the evidence in your case
The amount of compensation you’re seeking
The willingness of the insurance company to negotiate in good faith
The complexity of the legal issues involved

Even if your case doesn’t go to trial, the fact that we’re prepared to go to trial can help us negotiate a better settlement on your behalf.

How long will my case take to settle?

The length of time it takes to settle your case depends on several factors, including:

The severity of your injuries
The complexity of your case
The willingness of the insurance company to negotiate in good faith
Whether your case goes to trial

In general, most motor vehicle accident cases settle within 6 to 18 months. However, some cases may settle sooner, while others may take longer, particularly if they go to trial.

At Attorney911, we don’t rush to settle your case. We want to ensure that you’ve reached maximum medical improvement (MMI) and that we have a complete understanding of the full extent of your injuries and damages before considering any settlement offers.

What types of damages can I recover?

If you’ve been injured in a motor vehicle accident in Texas, you may be entitled to compensation for a wide range of damages, including:

Economic Damages (No Cap in Texas):
- Medical expenses (past and future)
- Lost wages and earning capacity
- Property damage
- Out-of-pocket expenses
Non-Economic Damages (No Cap in Texas, Except for Medical Malpractice):
- Pain and suffering
- Mental anguish
- Physical impairment
- Disfigurement
- Loss of consortium
- Loss of enjoyment of life
Punitive Damages (Capped in Texas):
- Available in cases involving fraud, malice, or gross negligence
- Capped at the greater of $200,000 or two times the amount of economic damages plus an amount equal to non-economic damages (capped at $750,000 for the non-economic portion)

At Attorney911, we fight to recover every dollar you’re entitled to under Texas law.

How much is my case worth?

The value of your case depends on a variety of factors, including:

The severity of your injuries
The cost of your medical treatment
The impact on your ability to work
The impact on your daily life and activities
The strength of the evidence in your case
The amount of available insurance coverage
The skill and experience of your attorney

What if I can’t afford a lawyer?

Here’s what that means for you:

Free consultation: We’ll review your case at no cost to you and explain your legal options.
No upfront fees: You don’t pay anything to hire us.
No fee unless we win: We only get paid if we recover compensation for you. If we don’t win your case, you owe us nothing.
Percentage of recovery: Our fee is a percentage of the compensation we recover for you.

This arrangement allows you to get the legal help you need without worrying about upfront costs or hourly fees. It also means that our interests are aligned with yours—we only succeed if you do.

How much do car accident lawyers cost?

At Attorney911, we work on a contingency fee basis, which means you don’t pay anything unless we recover compensation for you. Here’s how our fee structure works:

33.33% of the recovery if your case settles before we file a lawsuit
40% of the recovery if your case goes to trial or settles after we file a lawsuit

This fee structure is standard in the personal injury industry. It allows you to get the legal help you need without worrying about upfront costs or hourly fees.

In addition to our fee, you may be responsible for certain case expenses, such as:

Court filing fees
Expert witness fees
Medical record fees
Deposition costs

At Attorney911, we advance these expenses on your behalf and are reimbursed for them out of your settlement or verdict. If we don’t recover compensation for you, you won’t be responsible for these expenses.

What happens if I lose my case?

At Attorney911, we work on a contingency fee basis, which means you don’t pay anything unless we recover compensation for you. If we don’t win your case, you owe us nothing.

In addition, we advance all case expenses on your behalf. If we don’t recover compensation for you, you won’t be responsible for these expenses either.

This arrangement allows you to pursue your case without worrying about the financial risk. We only succeed if you do.

Who will actually handle my case?

At Attorney911, you’ll work directly with our attorneys, not just paralegals or case managers. Our managing partner, Ralph Manginello, and our associate attorney, Lupe Peña, are actively involved in every case we handle.

You’ll also work with dedicated case managers like Leonor, who clients consistently praise for their personal attention and communication:

“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.” – Stephanie Hernandez

This level of personal attention sets Attorney911 apart from larger, more impersonal law firms.

Will you keep me updated on my case?

Yes, at Attorney911, we believe in open and consistent communication with our clients. We’ll keep you updated on the progress of your case and answer any questions you have along the way.

As client Dame Haskett said: “Consistent communication and not one time did I call and not get a clear answer…Ralph reached out personally.”

We understand that being involved in a motor vehicle accident can be a stressful and confusing time. That’s why we make it a priority to keep you informed and involved throughout the legal process.

What should I do if the insurance company is not communicating with me?

If the insurance company is not communicating with you, it may be a sign that they’re using delay tactics to wear you down and pressure you into accepting a lowball offer. At Attorney911, we handle all communication with the insurance company on your behalf.

If you’re having trouble getting the insurance company to respond, contact us immediately. We’ll take over communication with the insurance company and work to get your claim moving forward.

What if the other driver is uninsured or underinsured?

If the other driver is uninsured or underinsured, you may still be able to recover compensation through your own uninsured/underinsured motorist (UM/UIM) coverage. Texas law allows for inter-policy stacking, which means you may be able to combine UM/UIM coverage from multiple vehicles on your policy to increase your available coverage.

At Attorney911, we have extensive experience handling UM/UIM claims. We know how to:

Identify all available UM/UIM coverage
Navigate the complex UM claims process
Maximize your recovery through all available insurance policies

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

If you were hit by a government vehicle, such as a city bus or police car, you may have a claim against the government entity. However, these claims are subject to special rules and deadlines.

In Texas, you must file a notice of claim with the government entity within 6 months of the accident. This deadline is much shorter than the 2-year statute of limitations for personal injury claims, so it’s crucial to contact an attorney as soon as possible after your accident.

Government claims are also subject to sovereign immunity, which protects government entities from certain types of lawsuits. However, there are exceptions to sovereign immunity that may allow you to recover compensation for your injuries.

At Attorney911, we have experience handling claims against government entities. We know the special rules and deadlines that apply to these claims and can help you navigate the complex legal process.

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

At Attorney911, we have extensive experience handling hit and run cases. We know how to:

Work with law enforcement to identify the at-fault driver
Preserve evidence before it’s lost (surveillance footage is often deleted within 7-30 days)
Navigate the complex UM claims process
Maximize your recovery through all available insurance policies

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 your injuries. You’re entitled to full recovery regardless of your immigration status.

At Attorney911, we’ve successfully represented clients of all immigration statuses. Our associate attorney, Lupe Peña, is fluent in Spanish and can communicate with you in your preferred language.

We understand the unique concerns that undocumented immigrants may have when pursuing a legal claim. We’ll protect your rights and your privacy throughout the legal process.

What if the accident happened in a parking lot?

Parking lot accidents are fully compensable under Texas law. Insurance companies often try to argue that parking lot accidents are always 50/50 fault, but this is not true.

At Attorney911, we know how to prove fault in parking lot accidents through:

Surveillance video
Witness statements
Damage analysis
Traffic patterns

Texas comparative negligence rules apply to parking lot accidents just like any other motor vehicle accident. We’ve won many parking lot accident cases with clear liability findings.

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

If you were a passenger in the at-fault vehicle, you can still pursue a claim against the driver, even if they’re a friend or family member. You’re an innocent victim, and the driver’s insurance should cover your injuries.

At Attorney911, we handle the difficult conversation with the at-fault driver so you don’t have to. We’ll work to ensure that you receive the compensation you deserve without damaging your personal relationships.

What if I don’t have health insurance?

If you don’t have health insurance, we can help you get the medical treatment you need through medical liens or letters of protection. These arrangements allow you to receive medical treatment now and pay for it out of your settlement or verdict.

At Attorney911, we work with a network of medical providers who are willing to treat accident victims on a lien basis. We can help you get the treatment you need without worrying about upfront costs.

How do I know if I have a good case?

You may have a good case if:

Someone else was at fault for the accident (even partially)
You suffered injuries or damages as a result of the accident
There is insurance coverage available to compensate you for your injuries

At Attorney911, we offer free consultations to review your case and explain your legal options. Call us at 1-888-ATTY-911 to schedule your free consultation.

What if the insurance company is offering me a settlement?

If the insurance company is offering you a settlement, it’s important to consult with an attorney before accepting any offer. Early settlement offers are always lowball offers, and once you sign a release, you can’t go back for more money—even if you discover later that your injuries are more serious than you thought.

At Attorney911, we’ll review any settlement offer with you and help you understand whether it’s fair. We’ll calculate the full value of your case and negotiate aggressively for a fair settlement on your behalf.

What if the insurance company is denying my claim?

If the insurance company is denying your claim, it’s important to consult with an attorney immediately. Insurance companies often deny valid claims in the hopes that accident victims will give up or accept a lowball offer.

At Attorney911, we know how to fight insurance company denials. We’ll review your claim, gather additional evidence if necessary, and appeal the denial on your behalf. If necessary, we’ll file a lawsuit to protect your rights.

What if I already hired another attorney?

If you’re unhappy with your current attorney, you have the right to switch attorneys at any time. At Attorney911, we’ve taken over many cases from other attorneys and have helped our clients achieve better results.

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.”

If you’re considering switching attorneys, call us at 1-888-ATTY-911 for a free consultation. We’ll review your case and explain how we can help.

What if I need to think about it?

We understand that being involved in a motor vehicle accident is a stressful and confusing time. It’s important to make an informed decision about your legal representation.

At Attorney911, we offer free consultations with no obligation. We’ll review your case, explain your legal options, and answer any questions you have. There’s no pressure to hire us—we just want to help you understand your rights.

However, it’s important to act quickly. Evidence can disappear, and the insurance company is already building their case against you. The sooner you contact an attorney, the better your chances of protecting your rights.

How do I get started with Attorney911?

Getting started with Attorney911 is easy. Here’s what you need to do:

Call us at 1-888-ATTY-911: Our legal emergency line is available 24/7 to take your call.
Schedule a free consultation: We’ll review your case at no cost to you and explain your legal options.
Sign a contingency fee agreement: If you decide to hire us, we’ll sign a contingency fee agreement, which means you don’t pay anything unless we recover compensation for you.
We get to work on your case: We’ll start gathering evidence, communicating with the insurance company, and building the strongest possible case on your behalf.

At Attorney911, we’re ready to fight for you. Call us today at 1-888-ATTY-911 to schedule your free consultation.

Contact Attorney911 Today

If you’ve been injured in a motor vehicle accident in Seymour, Texas, don’t wait to get the legal help you need. Every day that passes makes it more difficult to gather evidence and build a strong case. Call Attorney911 today at 1-888-ATTY-911 for a free consultation.

Our legal emergency line is available 24/7 to take your call. We offer free consultations and work on a contingency fee basis, which means you don’t pay anything unless we recover compensation for you.

At Attorney911, we have the experience, resources, and determination to fight for the maximum compensation you deserve. We know how insurance companies operate, and we know how to beat them at their own game. With 25+ years of experience handling motor vehicle accident cases across Texas, including right here in Seymour, we have the knowledge and skills to handle even the most complex cases.

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