Forsan, TX Motor Vehicle Accident Legal Resource: The Manginello Law Firm

You were heading south on FM 821, perhaps returning home or heading out to the Permian Basin oilfields, and in a split second, your life changed. Whether it was an 18-wheeler that failed to stop on a service road near I-20 or a distracted driver at a Forsan intersection, the aftermath of a motor vehicle accident is rarely just about “fixing the car.” It is about a sudden, violent disruption of your physical health, your family’s stability, and your financial future.

At Attorney 911 / The Manginello Law Firm, we see the reality of Howard County crashes every day. We know that in a town like Forsan, where the community is tight-knit and the Buffaloes’ spirit runs deep, an injury to one neighbor affects all of us. But the insurance companies do not see you as a neighbor. To them, your claim is a liability to be minimized. To us, you are a person who deserves specialized, aggressive representation.

Managing Partner Ralph Manginello has spent over 27 years in the trenches of Texas state and federal courts, fighting for families like yours. Since 1998, he has gone toe-to-toe with Fortune 500 giants and multinational corporations, including BP in the wake of the Texas City refinery explosion. Our firm has recovered multi-million-dollar settlements for victims of catastrophic injury, including traumatic brain injury (TBI) results ranging from $1.5 million to $9.8 million and wrongful death recoveries between $1.9 million and $9.5 million. (Past results do not guarantee future outcomes. Every case is unique.)

When you call us at 1-888-ATTY-911, you aren’t just getting a lawyer; you’re gaining an insider advantage. Our team includes Lupe Peña, a former insurance defense attorney. Lupe used to work for the same carriers that are now trying to lowball your claim. He knows their internal “MIST” (Minor Impact Soft Tissue) protocols and their computer-based valuation systems because he was on the other side of those meetings. Now, he uses that knowledge to dismantle their defense strategies on behalf of Forsan residents.

The Reality of Driving in Forsan and Howard County

Forsan sits in a unique geographic position. While it maintains the character of a quiet Texas town, it is surrounded by the intense logistical pressure of the Permian Basin. This means our local roads see a disproportionate volume of heavy commercial traffic.

Dangerous Corridors in the Forsan Area

We focus our investigation on the specific corridors where Forsan residents are most at risk:

• Interstate 20 (I-20): Running just north of Forsan through Big Spring, this is the primary artery for the Permian Basin’s oil and gas logistics. It is a high-speed, high-crash corridor where 18-wheelers, sand trucks, and vacuum trucks mix with local commuters.
• U.S. Highway 87: A major north-south artery that carries significant commercial weight and high-speed traffic.
• State Highway 33: Crucial for oilfield service movements, often plagued by oversized loads and drivers operating on minimal sleep.
• FM 821 and Local Service Roads: These are the primary connector points for Forsan. Intersection accidents here often involve failure-to-yield and high-acceleration impacts as drivers transition from rural roads to higher-speed highways.

Crash reports in our area are typically generated by the Howard County Sheriff’s Office or the Texas Department of Public Safety (DPS) District 6 Odessa Region. We pull these Texas Peace Officer’s Crash Reports (CR-3) immediately to begin reconstructing the liability picture.

If the injuries are severe, EMS typically routes patients to Scenic Mountain Medical Center in Big Spring or, for Level I trauma care, to University Medical Center in Lubbock. We coordinate with these trauma teams to secure the objective medical evidence needed to prove your case.

If you’ve been hurt on an I-20 service road or anywhere in Howard County, call us today at 1-888-ATTY-911 for a free consultation. There is no fee unless we win.

The Insurance Playbook: What They Won’t Tell You

Within 48 hours of your crash in Forsan, an insurance adjuster will likely call you. They will sound friendly, perhaps even concerned. But you must understand that their performance is measured by how much money they save the carrier, not how much they pay you.

Allstate’s CCPR and State Farm’s ACE Protocols

Major carriers like Allstate, State Farm, and Progressive use specialized software and protocols to triage Forsan claims.

• Allstate’s CCPR (Casualty Claim Process Re-engineering): Developed with McKinsey, this system is designed to “fast-track” claims into a low-value bucket before a lawyer can get involved.
• State Farm’s ACE Protocol: Similar to MIST (Minor Impact Soft Tissue) programs, this protocol uses biomechanical data to argue that if your car’s bumper didn’t crumple, your spine couldn’t have been injured.

Lupe Peña, our former insurance defense attorney, has seen these programs from the inside. He knows that the first offer you receive is often 15% to 30% of what your case is actually worth. Carriers calculate their litigation risk against the attorney on the other side. When they see Ralph Manginello — admitted to federal court in the Southern District of Texas with multi-million dollar results — they know they cannot simply rely on their software to settle the case.

Hablamos Español. Lupe Peña provides fluent Spanish representation with no interpreters required, ensuring that Forsan’s Hispanic community has direct, unbarred access to the justice system. Un trabajador lesionado no debe temer por su estatus legal; las leyes de Texas protegen a todos.

18-Wheeler and Oilfield Trucking Accidents in the Permian Basin

Forsan drivers are uniquely exposed to FMCSA-regulated motor carriers. These aren’t just big trucks; they are 80,000-pound kinetic energy weapons. A fully loaded truck at 65 mph on I-20 carries 16.5 times the destructive energy of your car.

Under 49 CFR § 390, trucking companies have a federal duty to maintain their fleets and qualify their drivers. However, we frequently find violations that the initial police report missed:

• Hours of Service (HOS) Violations (49 CFR § 395): Fatigued drivers are as dangerous as drunk drivers. When we send a spoliation letter within the first 7 days, we lock down the Electronic Logging Device (ELD) data before it auto-purges under 49 CFR § 395.8(k).
• Negligent Maintenance (49 CFR § 396): Bald tires and out-of-adjustment brakes on oilfield trucks are a plague in Howard County.
• Negligent Hiring: We hold companies like J.B. Hunt, Schneider, and local oilfield service providers accountable when they hire drivers with a history of DWI or reckless driving.

Our managing partner, Ralph Manginello, is trial-tested against corporate fleets. We have successfully litigated against companies like Walmart, Amazon, FedEx, and UPS. We know their insurers, such as Great West Casualty and Northland Insurance, and we know they will only pay full value when they are forced to through aggressive discovery.

If you’ve been hit by a commercial vehicle near Forsan, call 888-ATTY-911 immediately so we can preserve the “black box” data before it’s gone.

Substantive Texas Law: How We Win Your Case

We don’t just “talk” about law; we cite it. Every Forsan injury claim is governed by a strict statutory framework that we navigate daily.

The 2-Year Statute of Limitations

Under Tex. Civ. Prac. & Rem. Code § 16.003, you have exactly two years from the date of the crash to file a lawsuit in Howard County. If you miss this window, you lose your right to recover forever.

Modified Comparative Fault (The 51% Rule)

Texas operates under Tex. Civ. Prac. & Rem. Code § 33.001. This means if a jury finds you 51% or more at fault for the crash at that Forsan stop sign, you recover zero. Even if you are 20% at fault, your damages are reduced by that 20%. We fight to keep your percentage at zero because every point of fault the insurer pins on you is money out of your pocket.

Proving Your Medical Damages: The “Paid-or-Incurred” Rule

One of the most complex parts of Texas law is the “Haygood” rule under Tex. Civ. Prac. & Rem. Code § 41.0105. You are only allowed to recover what was “actually paid” or “incurred” for your medical bills, not the inflated amount the hospital billed.

Money Math Example:
If your hospital bill from Scenic Mountain was $50,000, but your health insurance paid $12,000 and the rest was written off, our recovery is anchored to that $12,000. Many lawyers miss this and over-promise on settlement values. We understand the specific math of Howard County venues and how to maximize your non-economic damages (pain and suffering) to offset these statutory limitations.

The Stowers Doctrine: Our Secret Weapon

Since 1929, Texas law has recognized the Stowers duty. If we send a demand letter within policy limits and the insurance carrier unreasonably rejects it, they may be liable for the entire amount of a later jury verdict, even if it exceeds the policy limits. This is how we force carriers to pay full value on cases where the at-fault driver only has a 30/60 minimum-limits policy.

For a free strategy session on how these statutes apply to your Forsan accident, call 1-888-288-9911.

Understanding Your Injuries: From “Fender Bender” to Catastrophic

In Forsan, a “fender bender” often results in spine injuries that don’t show up until days later. The adrenaline of the crash masks the pain for 24 to 72 hours.

The Whiplash Mechanism

Cervical Acceleration-Deceleration (CAD) occurs in as little as 300 milliseconds.

• Phase 1: Your torso is accelerated forward.
• Phase 2: Your neck forms an “S-curve” as the vertebrae are compressed.
• Phase 3: Your head whips back, hyper-extending over the headrest.
• Phase 4: Your head rebounds forward.

This frequently results in a C5-C6 cervical disc herniation. The carrier will call this “normal wear and tear.” We cite the Coates v. Whittington eggshell-plaintiff doctrine: Texas law says the defendant is liable for the aggravation of any pre-existing condition. We take the plaintiff as we find them. If you had a mild back issue that became a surgical emergency after a crash on FM 821, they are liable for the worsening.

Traumatic Brain Injury (TBI)

Even if you didn’t hit your head, the brain can strike the inside of the skull through rotational force (coup-contrecoup). Symptoms like dizziness, word-finding difficulty, and irritability post-crash are red flags for mild TBI (mTBI). We’ve recovered millions for TBI victims — typically in the $1.5M to $9.8M range. (Past results do not guarantee future outcomes.)

Government Vehicles and the TTCA Trap

What if you were hit by a vehicle owned by the City of Forsan, Howard County, or a Forsan ISD bus? Your case immediately shifts to the Texas Tort Claims Act (TTCA) under Tex. Civ. Prac. & Rem. Code Ch. 101.

There is a strict 6-month notice deadline under § 101.101. If you do not provide perfect, content-specific notice to the governmental unit within 180 days (and sometimes much shorter under city charters), your claim is barred. Damages are also capped — often at $100,000 per person for municipalities. We know how to navigate these traps and identify UM/UIM stacking opportunities to cover the shortfall left by these caps.

Why Choose the Manginello Law Firm for Your Forsan Case?

As one client, Chad Harris, put it: “You are NOT a pest to them and you are NOT just some client that’s caught in the middle of many other cases. You are FAMILY to them and they protect and fight for you as such.”

We are not a “settlement mill.” We choose our cases carefully so we can give you Ralph’s personal attention.

1. Insider Knowledge: Lupe Peña knows the insurance carrier’s playbook because he helped write it.
2. Federal Authority: Ralph Manginello is admitted to the U.S. District Court for the Southern District of Texas and has tried cases against the world’s largest refinery operators.
3. Real Results: We don’t just talk about being “aggressive”; we have the 4.9★ Google rating and 270+ reviews to prove it.
4. No Upfront Costs: You pay us nothing unless we win. We advance all investigation costs, including hiring expert accident reconstructionists to visit the Forsan scene.
5. Memorable 24/7 Access: Call us any time at 1-888-ATTY-911.

Multi-Pathway Recovery Framework

Most people think there is only one insurance policy. We look for all of them:

• The at-fault driver’s Liability (BI) policy.
• Your own Underinsured Motorist (UIM) coverage.
• Personal Injury Protection (PIP) — which pays 80% of medicals and 70% of wages regardless of fault.
• Commercial Umbrella Towers (for trucking cases).
• Third-party product liability (if your airbag failed to deploy or your seatbelt failed).

Frequently Asked Questions for Forsan MVA Victims

1. How does the 18% interest rule apply to my case?

Under Tex. Ins. Code § 542.060, if your insurance company (for PIP or UIM) fails to pay within statutory windows, they owe you the claim amount plus 18% annual interest and attorney fees. On a $50,000 UIM claim delayed one year, that’s an extra $9,000 in your pocket.

2. What if the officer didn’t give the other driver a ticket at the scene in Forsan?

A ticket is a criminal matter; your claim is civil. Officers in Howard County often decline to ticket if the liability is complex, but we can still prove negligence through EDR (black box) data and witness testimony.

3. Can I still recover if I have a pre-existing back injury?

Yes. Under the eggshell-plaintiff doctrine, the defendant is responsible for nearly every “aggravation” of your condition. If you were managing your pain and now you need surgery, the crash is the legal cause.

4. What is a “Letter of Protection” (LOP)?

If you don’t have health insurance, we can provide an LOP to City of Forsan or Big Spring medical providers. This allows you to get the surgery or treatment you need now, with the provider agreeing to be paid out of the final settlement.

5. How long does a typical Howard County lawsuit take?

Pre-suit settlements take 4–8 months. If we file a lawsuit in Howard County District Court, the timeline is typically 12–18 months. We push for speed, but we never sacrifice value for a quick check.

6. What should I do in the first 7 days after my Forsan crash?

• Do NOT give a recorded statement to the other driver’s insurance.
• Seek medical care from an MD (not just a chiropractor) to document the “onset.”
• Call 1-888-ATTY-911 so we can send a spoliation letter to preserve any nearby surveillance or commercial truck data.

7. What if I was a passenger in an Uber or Lyft in Forsan?

Rideshare insurance in Texas is complex. If the driver had a passenger (Period 3), there is a $1 million policy under Tex. Ins. Code Ch. 1954. If they were just waiting for a ride (Period 1), the coverage is much lower. We subpoena the digital logs to prove which “period” they were in.

Your Path to Recovery Starts Here

Forsan is a place where hard work and responsibility matter. When someone else’s irresponsibility leaves you in pain and underwater on your bills, you have the right to fight back. We have spent nearly three decades perfecting the art of taking on the biggest carriers and winning.

Donald Wilcox, one of our clients, said it best: “One company said they would not accept my case. Then I got a call from Manginello and they said that they would take it. And in the next few months I got a call to come pick up this handsome check.”

Whether you’re dealing with a “fender bender” that shattered your neck or a catastrophic oilfield truck collision, we have the experience and the “switched-sides” insurance knowledge to win.

Call Attorney 911 / The Manginello Law Firm now. 1-888-ATTY-911. Your consultation is free. Your recovery is our mission.

—SPANISH VERSION FOLLOWS—

Recurso Legal para Accidentes de Vehículos en Forsan, TX: The Manginello Law Firm

Usted iba por la carretera FM 821, tal vez regresando a casa o dirigiéndose a los campos petroleros de la Cuenca Pérmica (Permian Basin), y en un abrir y cerrar de ojos, su vida cambió. Ya sea que se tratara de un camión de 18 ruedas que no se detuvo en una vía de servicio cerca de la I-20 o de un conductor distraído en una intersección de Forsan, las secuelas de un accidente de vehículo motorizado rara vez se tratan solo de “arreglar el coche”. Se trata de una interrupción repentina y violenta de su salud física, la estabilidad de su familia y su futuro financiero.

En Attorney 911 / The Manginello Law Firm, vemos la realidad de los choques en el condado de Howard todos los días. Sabemos que en un pueblo como Forsan, donde la comunidad es unida y el espíritu de los Buffaloes es fuerte, una lesión a un vecino nos afecta a todos. Pero las compañías de seguros no lo ven a usted como un vecino. Para ellos, su reclamo es una responsabilidad que debe minimizarse. Para nosotros, usted es una persona que merece una representación especializada y agresiva.

El socio director Ralph Manginello ha pasado más de 27 años en las trincheras de los tribunales estatales y federales de Texas, luchando por familias como la suya. Desde 1998, se ha enfrentado a gigantes de Fortune 500 y corporaciones multinacionales, incluyendo a BP tras la explosión de la refinería de Texas City. Nuestra firma ha recuperado acuerdos multimillonarios para víctimas de lesiones catastróficas, incluidos resultados de lesiones cerebrales traumáticas (TBI) que oscilan entre $1.5 millones y $9.8 millones, y recuperaciones por muerte por negligencia (wrongful death) entre $1.9 millones y $9.5 millones. (Resultados pasados no garantizan resultados futuros. Cada caso es único).

Cuando nos llama al 1-888-ATTY-911 (1-888-288-9911), no solo obtiene un abogado; gana una ventaja desde adentro. Nuestro equipo incluye a Lupe Peña, un exabogado de defensa de seguros. Lupe solía trabajar para las mismas compañías que ahora intentan ofrecerle una miseria por su reclamo. Él conoce sus protocolos internos “MIST” (lesiones de tejidos blandos por impactos menores) y sus sistemas de valoración basados en computadoras porque estuvo al otro lado de esas reuniones. Ahora, utiliza ese conocimiento para desmantelar sus estrategias de defensa en nombre de los residentes de Forsan.

La realidad de conducir en Forsan y el condado de Howard

Forsan ocupa una posición geográfica única. Si bien mantiene el carácter de un pueblo tranquilo de Texas, está rodeado por la intensa presión logística de la Cuenca Pérmica. Esto significa que nuestras carreteras locales ven un volumen desproporcionado de tráfico comercial pesado.

Corredores peligrosos en el área de Forsan

Centramos nuestra investigación en los corredores específicos donde los residentes de Forsan corren más riesgo:

• Interestatal 20 (I-20): Al pasar justo al norte de Forsan a través de Big Spring, esta es la arteria principal para la logística de petróleo y gas de la Cuenca Pérmica. Es un corredor de alta velocidad y alta siniestralidad donde los camiones de 18 ruedas y camiones de servicio se mezclan con los conductores locales.
• U.S. Highway 87: Una arteria principal de norte a sur que soporta un peso comercial significativo.
• Carretera estatal 33: Crucial para los movimientos de servicio de los campos petroleros, a menudo plagada de cargas de gran tamaño y conductores que operan con un sueño mínimo.

Los informes de accidentes en nuestra área suelen ser generados por la Oficina del Sheriff del Condado de Howard o el Departamento de Seguridad Pública de Texas (DPS). Obtenemos estos informes de accidentes (CR-3) de inmediato para comenzar a reconstruir el panorama de la responsabilidad.

Si las lesiones son graves, los servicios de emergencia suelen enviar a los pacientes al Scenic Mountain Medical Center en Big Spring o, para atención de trauma de Nivel I, al University Medical Center en Lubbock. Coordinamos con estos equipos de trauma para asegurar la evidencia médica objetiva necesaria para probar su caso.

Si se lesionó en una vía de servicio de la I-20 o en cualquier lugar del condado de Howard, llámenos hoy al 1-888-ATTY-911 para una consulta gratuita. No hay honorarios a menos que ganemos.

El manual de las aseguradoras: Lo que no le dirán

Dentro de las 48 horas posteriores a su choque en Forsan, es probable que un ajustador de seguros lo llame. Sonarán amigables, tal vez incluso preocupados. Pero debe entender que su desempeño se mide por cuánto dinero le ahorran a la compañía, no por cuánto le pagan a usted.

Protocolos CCPR de Allstate y ACE de State Farm

Grandes aseguradoras como Allstate, State Farm y Progressive utilizan software y protocolos especializados para clasificar los reclamos de Forsan.

• CCPR de Allstate (Reingeniería del Proceso de Reclamaciones de Accidentes): Este sistema está diseñado para enviar los reclamos a una categoría de bajo valor antes de que un abogado pueda intervenir.
• Protocolo ACE de State Farm: Similar a los programas MIST, este protocolo utiliza datos biomecánicos para argumentar que si el parachoques de su auto no se abolló, su columna vertebral no pudo haberse lesionado.

Lupe Peña, nuestro exabogado de defensa de seguros, ha visto estos programas desde adentro. Él sabe que la primera oferta que recibe es a menudo del 15% al 30% de lo que realmente vale su caso. Las aseguradoras calculan su riesgo de litigio basándose en el abogado del otro lado. Cuando ven a Ralph Manginello, saben que no pueden simplemente confiar en su software para resolver el caso.

Hablamos Español. Lupe Peña brinda representación fluida en español sin necesidad de intérpretes. Un trabajador lesionado no debe temer por su estatus legal; las leyes de Texas protegen a todos por igual en casos de negligencia.

Accidentes de camiones de 18 ruedas y de campos petroleros en la Cuenca Pérmica

Los conductores de Forsan están expuestos de manera única a los transportistas motorizados regulados por la FMCSA. No son solo camiones grandes; son armas de energía cinética de 80,000 libras.

Bajo la regulación federal 49 CFR § 390, las compañías de camiones tienen el deber de mantener sus flotas y calificar a sus conductores. Sin embargo, frecuentemente encontramos violaciones:

• Violaciones de horas de servicio (HOS) (49 CFR § 395): Los conductores fatigados son tan peligrosos como los conductores ebrios. Cuando enviamos una carta de preservación de evidencia, bloqueamos los datos del ELD (dispositivo de registro electrónico) antes de que se borren automáticamente.
• Mantenimiento negligente: Frenos mal ajustados y llantas lisas son comunes en los camiones de Howard County.

Nuestra firma ha litigado contra Walmart, Amazon, FedEx y UPS. Sabemos que estas compañías solo pagarán el valor total cuando se vean obligadas a través de un proceso legal agresivo.

Si fue golpeado por un vehículo comercial cerca de Forsan, llame al 1-888-288-9911 de inmediato.

Ley sustantiva de Texas: Cómo ganamos su caso

No solo “hablamos” de la ley; la citamos. Cada reclamo de lesiones en Forsan se rige por un marco estatutario estricto.

El plazo de prescripción de 2 años

Conforme al Tex. Civ. Prac. & Rem. Code § 16.003, usted tiene exactamente dos años desde la fecha del choque para presentar una demanda en el condado de Howard.

Culpa comparativa modificada (La regla del 51%)

Texas opera bajo el Tex. Civ. Prac. & Rem. Code § 33.001. Esto significa que si un jurado determina que usted tiene el 51% o más de la culpa del choque, no recupera nada. Luchamos para mantener su porcentaje en cero.

La regla de “Pagado o Incurrido”: El caso Haygood

Bajo el Tex. Civ. Prac. & Rem. Code § 41.0105, usted solo puede recuperar lo que “realmente se pagó” por sus facturas médicas, no el monto inflado que el hospital facturó inicialmente.

Ejemplo matemático:
Si su factura del hospital fue de $50,000, pero su seguro de salud pagó $12,000 y el resto se condonó, nuestra recuperación se basa en esos $12,000. Entendemos esta matemática y cómo maximizar sus daños no económicos (dolor y sufrimiento) para compensar estas limitaciones legales.

La doctrina Stowers: Nuestra arma secreta

Desde 1929, la ley de Texas reconoce el deber Stowers. Si enviamos una demanda dentro de los límites de la póliza y la aseguradora la rechaza de manera irrazonable, ellos pueden ser responsables de todo el monto de un veredicto posterior, incluso si supera los límites de la póliza.

Comprendiendo sus lesiones: Desde un “choque leve” hasta lo catastrófico

En Forsan, un choque leve a menudo resulta en lesiones de la columna que no aparecen hasta días después. La adrenalina del choque oculta el dolor durante 24 a 72 horas.

El mecanismo del latigazo cervical (Whiplash)

Esto ocurre en tan solo 300 milisegundos. Con frecuencia resulta en una hernia de disco cervical C5-C6. La aseguradora dirá que es “desgaste normal por la edad”. Nosotros citamos la doctrina del “demandante de cáscara de huevo” (Coates v. Whittington): la ley de Texas dice que el demandado es responsable de la agravación de cualquier condición preexistente.

Lesión cerebral traumática (TBI)

Incluso si no se golpeó la cabeza, el cerebro puede sacudirse violentamente. Síntomas como mareos, dificultad para encontrar palabras e irritabilidad después del choque son señales de alerta. Hemos recuperado millones para víctimas de TBI. (Resultados pasados no garantizan futuros).

Preguntas frecuentes para víctimas de accidentes en Forsan

1. ¿Cómo funciona la regla del 18% de interés?

Bajo el Tex. Ins. Code § 542.060, si su propia compañía de seguros no paga a tiempo, le deben el monto del reclamo más un 18% de interés anual y honorarios de abogados.

2. ¿Puedo recuperarme si ya tenía una lesión de espalda previa?

Sí. Bajo la ley de Texas, el culpable es responsable de cualquier “empeoramiento” de su condición causado por el accidente.

3. ¿Qué pasa si me chocó un vehículo de la ciudad de Forsan o un autobús escolar?

Estos casos se rigen por la Ley de Reclamaciones por Agravios de Texas (TTCA). Hay un plazo estricto de notificación de 6 meses conforme al § 101.101. Si no avisa a tiempo, pierde su caso.

4. ¿Cuánto tiempo toma un caso típico?

Los acuerdos antes de una demanda toman de 4 a 8 meses. Si vamos a juicio en el tribunal del condado de Howard, el tiempo es de 12 a 18 meses.

Su camino a la recuperación comienza aquí

Forsan es un lugar donde el trabajo duro y la responsabilidad importan. Cuando la irresponsabilidad de otra persona lo deja con dolor y deudas, usted tiene el derecho de luchar.

Llame a Attorney 911 / The Manginello Law Firm ahora al 1-888-ATTY-911 (1-888-288-9911). Su consulta es gratuita. No cobramos si no ganamos. Hablamos su idioma y conocemos el sistema por dentro.