Motor Vehicle Accidents in Boerne, Kendall County, Texas: How Attorney911 Protects Your Rights

If you’ve been injured in a motor vehicle accident in Boerne or anywhere in Kendall County, Texas, you’re not alone. Texas sees a crash every 57 seconds, with one person injured every 2 minutes and 5 seconds. In 2024 alone, 251,977 people were injured on Texas roads. At Attorney911, we understand the physical, emotional, and financial toll these accidents take on victims and their families. With Ralph Manginello’s 25+ years of experience and our firm’s unique insurance defense advantage, we’re here to fight for the maximum compensation you deserve.

The Reality of Motor Vehicle Accidents in Boerne and Kendall County

Boerne and Kendall County residents face unique risks on our roads. Whether you’re commuting to San Antonio on I-10, traveling through downtown Boerne on Main Street, or driving on rural roads like FM 474, accidents can happen anywhere. The Hill Country’s scenic routes and growing population create a mix of local and through traffic that increases the risk of collisions.

Common Causes of Accidents in Kendall County:

Distracted driving (especially near tourist areas and shopping districts)
Speeding on rural highways and country roads
Drunk driving (particularly on weekends and holidays)
Failure to yield at intersections like Main Street and I-10
Weather-related accidents during sudden Hill Country storms
Wildlife crossings on rural roads
Fatigued driving from long commutes to San Antonio

Comprehensive Coverage for All Types of Motor Vehicle Accidents

At Attorney911, we handle all types of motor vehicle accidents in Boerne and throughout Kendall County. Our experience spans:

Car Accidents (Tier 1 – 600 words)

Car accidents are the most common type of motor vehicle collision in Kendall County. In 2024, Texas saw 251,977 people injured in car crashes, with one accident occurring every 57 seconds. These accidents often result in:

Whiplash and soft tissue injuries
Herniated discs and spinal injuries
Broken bones and fractures
Traumatic brain injuries (TBI)
Internal organ damage
Post-traumatic stress disorder (PTSD)

Why Kendall County Residents Choose Attorney911 for Car Accidents:

Ralph Manginello’s 25+ years of experience handling car accident cases in Texas courts gives us unparalleled insight into how insurance companies evaluate these claims. We know the tactics they use to minimize payouts, and we’re prepared to counter them at every turn.

Case Result:

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

Client Testimonial:

“I was rear-ended and the team got right to work…I also got a very nice settlement.” – MONGO SLADE

What to Do After a Car Accident in Boerne:

Call 911 and report the accident
Seek medical attention immediately
Document everything with photos and videos
Exchange information with the other driver
Do NOT give a recorded statement to any insurance company
Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance

18-Wheeler and Trucking Accidents (Tier 1 – 600 words)

Trucking accidents in Kendall County often result in catastrophic injuries due to the size and weight disparity between commercial trucks and passenger vehicles. In 2024, Texas saw 39,393 commercial motor vehicle crashes, resulting in 608 fatalities and 1,601 serious injuries. Texas accounts for 11% of all fatal truck crashes in the United States.

Why Trucking Accidents Are More Complex:

Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
Higher insurance policy limits ($750,000 to $5,000,000+)
Federal Motor Carrier Safety Administration (FMCSA) regulations
Electronic Logging Device (ELD) data that can prove negligence
Black box data from the truck’s Event Data Recorder (EDR)

FMCSA Violations That Prove Negligence:

Hours of Service (HOS) violations (driving more than 11 hours after 10 consecutive hours off-duty)
Failure to maintain proper logs
Inadequate vehicle maintenance
Improper cargo loading
Drug and alcohol violations

Why Boerne and Kendall County Residents Need Attorney911 for Trucking Accidents:

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas, which is crucial for handling FMCSA cases that often end up in federal court. Our firm was one of the few involved in BP explosion litigation, demonstrating our ability to take on billion-dollar corporations.

Case Result:

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

Evidence Preservation is Critical:

ELD data can be overwritten in 30-180 days
Surveillance footage from nearby businesses is typically deleted within 7-30 days
Witness memories fade quickly
Call Attorney911 immediately at 1-888-ATTY-911 to preserve critical evidence

Drunk Driving Accidents (Tier 1 – 600 words)

Drunk driving accidents are entirely preventable tragedies that devastate families in Boerne and throughout Kendall County. In 2024, alcohol-impaired driving caused 1,053 deaths in Texas, accounting for 25.37% of all traffic fatalities. Over 24,000 DWI-related crashes occurred in Texas in 2023.

Texas Dram Shop Liability (TABC § 2.02):

Under Texas law, bars, restaurants, and other establishments can be held liable if they serve alcohol to an obviously intoxicated person who then causes an accident. Signs of obvious intoxication include:

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

Why Drunk Driving Cases Often Result in Higher Settlements:

Punitive damages are available for gross negligence
Multiple defendants can be held liable (driver and establishment)
Criminal charges strengthen the civil case
Insurance companies cannot defend the indefensible

Attorney911’s Unique Advantage in Drunk Driving Cases:

Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving our firm the capability to handle both the criminal and civil aspects of DWI-related accidents. Our experience with DWI dismissals demonstrates our investigation skills:

“Our client was charged with drunk driving based on a breath test. Our investigation revealed that a police department employee was not properly maintaining the breathalyzer machines. The charges were dismissed.”

What to Do If You’re Hit by a Drunk Driver in Kendall County:

Call 911 immediately
Document the scene and the driver’s condition
Get witness information
Do NOT confront the drunk driver
Seek medical attention
Call Attorney911 at 1-888-ATTY-911 to investigate dram shop liability

Motorcycle Accidents (Tier 2 – 400 words)

Motorcycle accidents in Kendall County often result in severe injuries due to the lack of protection for riders. In 2024, Texas saw 585 motorcyclist fatalities, with 37% of those killed not wearing helmets.

Texas Helmet Law:

Helmets are required for all riders under 21
Riders 21 and older may ride without a helmet if they have completed a safety course or have $10,000 in medical insurance

Common Causes of Motorcycle Accidents in Kendall County:

Failure to yield right of way (most common cause)
Driver inattention or distraction
Unsafe lane changes
Left-turn accidents
Speeding and reckless driving

Why Insurance Companies Often Blame Motorcyclists:

Texas uses the 51% bar rule for comparative negligence. If you’re found to be 51% or more at fault, you recover nothing. Insurance companies frequently try to assign maximum fault to motorcyclists.

Lupe Peña’s Insider Advantage:

Lupe Peña spent years working for insurance companies, making comparative fault arguments against motorcyclists. Now, he uses that knowledge to defeat these tactics and protect your rights.

What to Do After a Motorcycle Accident in Boerne:

Seek medical attention immediately
Document your injuries and the scene
Do NOT admit fault or discuss the accident with anyone
Call Attorney911 at 1-888-ATTY-911 before speaking to any insurance company

Pedestrian Accidents (Tier 2 – 400 words)

Pedestrians are the most vulnerable road users in Kendall County. In 2024, Texas saw 6,095 pedestrian crashes, resulting in 768 fatalities. Pedestrians account for just 1% of crashes but 19% of all roadway deaths.

Critical Legal Point for Pedestrians:
Under Texas law, pedestrians ALWAYS have the right-of-way at intersections, even at unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you.

Common Pedestrian Accident Locations in Boerne:

Downtown Boerne crosswalks
Shopping center parking lots
School zones
Residential neighborhoods
Rural roads without sidewalks

Why Pedestrian Accidents Often Result in Severe Injuries:

No protection from impact
Higher likelihood of being thrown or run over
Common injuries include traumatic brain injuries, spinal cord injuries, broken pelvis and legs, internal organ damage, and fatalities

What to Do If You’re Hit by a Car While Walking in Kendall County:

Call 911 immediately
Seek medical attention even if you feel fine
Document the scene and your injuries
Get witness information
Do NOT discuss fault with the driver or insurance companies
Call Attorney911 at 1-888-ATTY-911 to protect your rights

Hit and Run Accidents (Tier 2 – 400 words)

Hit and run accidents are a growing problem in Kendall County. Nationally, someone is involved in a hit-and-run accident every 43 seconds.

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

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

How to Recover Compensation After a Hit and Run:

Your Uninsured Motorist (UM) coverage can compensate you when the at-fault driver is unidentified. Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on your policy.

Why Time is Critical in Hit and Run Cases:

Surveillance footage is typically deleted within 7-30 days
Witnesses disperse and memories fade quickly
Physical evidence at the scene disappears

What to Do After a Hit and Run in Boerne:

Call 911 and report the accident
Seek medical attention
Document everything with photos and videos
Get witness information
Do NOT attempt to follow the fleeing driver
Call Attorney911 at 1-888-ATTY-911 immediately to preserve evidence

Rideshare Accidents (Uber/Lyft) (Tier 2 – 400 words)

Rideshare accidents in Kendall County present unique insurance challenges. With over 11 billion rideshare trips taken in the U.S. since 2010, accidents involving Uber and Lyft vehicles are becoming increasingly common.

Rideshare Insurance Phases and Coverage:

Phase	Driver Status	Coverage Available
0	App off, personal use	Personal insurance only (Texas minimum: $30,000/$60,000/$25,000)
1	App on, waiting for ride request	$50,000/$100,000/$25,000 contingent coverage
2	Ride accepted, en route to pickup	$1,000,000 liability coverage
3	Passenger in vehicle	$1,000,000 liability coverage

Who Can Be Injured in Rideshare Accidents:

21% Riders
21% Drivers
58% Third parties (other drivers, pedestrians, passengers in other vehicles)

Why Rideshare Accidents Are Complex:

Insurance coverage varies dramatically based on what the driver was doing at the time of the crash
Multiple insurance policies may apply
Uber and Lyft often try to minimize payouts

Lupe Peña’s Insider Advantage:

Lupe Peña understands the complex insurance structures used by rideshare companies from his years working for insurance defense firms. He knows how to navigate the coverage maze and maximize your recovery.

What to Do After a Rideshare Accident in Kendall County:

Document the driver’s status at the time of the accident
Get the driver’s name, contact information, and insurance details
Report the accident to Uber or Lyft through their app
Seek medical attention
Call Attorney911 at 1-888-ATTY-911 to ensure all available insurance coverage is identified

Delivery Vehicle Accidents (Amazon, FedEx, UPS) (Tier 3 – 200 words)

Delivery vehicle accidents are becoming more common in Kendall County as online shopping increases. In 2024, Amazon-related motor carriers were involved in 1,879 crashes over a 24-month period.

Key Verdicts in Delivery Vehicle Cases:

2024: $16.2 million verdict in Georgia after a child was struck by an Amazon delivery van
2024: $105 million verdict in Lopez v. All Points 360, an Amazon Delivery Service Partner

Why Delivery Vehicle Cases Often Result in Higher Settlements:

Trucks are 3x the size and weight of passenger cars
$1 million+ liability insurance policies are typically required
Business models often encourage dangerous behavior
No jury sympathy for corporate defendants

Amazon DSP Liability:
Amazon Delivery Service Partners (DSPs) are contractually required to “defend and indemnify” Amazon for “death or injury.” These drivers often have higher safety violation rates than average motor carriers.

What to Do After a Delivery Vehicle Accident in Boerne:

Document the delivery company and driver information
Take photos of the vehicle and any company logos
Seek medical attention
Call Attorney911 at 1-888-ATTY-911 to investigate all available insurance coverage

Work Zone Accidents (Tier 3 – 200 words)

Work zone accidents are a serious problem in Kendall County, especially on major highways like I-10. In 2024, Texas saw nearly 28,000 crashes in work zones, resulting in 215 deaths—a 12% increase from the previous year.

Real Case Example:
Katrina Bond, a college student, slowed for work zone traffic on I-35 near Fort Worth. The driver of a heavy pickup truck (who admitted to receiving a text message) rear-ended her, pushing her car into the path of another truck. The accident was fatal.

Why Work Zone Accidents Are Dangerous:

Speeding through work zones
Distracted driving
Failure to obey traffic control devices
Sudden lane changes
Improper signage or lighting

What to Do After a Work Zone Accident in Kendall County:

Document the work zone conditions and signage
Take photos of the scene and any visible injuries
Get witness information
Seek medical attention
Call Attorney911 at 1-888-ATTY-911 to investigate potential liability

Tesla and Autopilot Accidents (Tier 3 – 200 words)

Tesla and other autonomous vehicle accidents present unique legal challenges in Kendall County. These cases often involve complex product liability claims against vehicle manufacturers.

Notable Tesla Autopilot Crashes:

May 2016: First U.S. Autopilot fatality in Florida where a Tesla failed to detect a white 18-wheeler
March 2018: Apple engineer killed in California (case settled in April 2024)
August 2025: $240 million+ jury verdict against Tesla in Miami

Key Liability Arguments in Tesla Cases:

Tesla marketed Full Self-Driving (FSD) and Autopilot as safer than human drivers
Marketing fostered driver overconfidence and overreliance
Tesla knew the system couldn’t detect emergency vehicles
Tesla used over-the-air software updates instead of comprehensive fixes

Why These Cases Require Specialized Legal Expertise:

Complex technical and engineering issues
Federal court experience is often required
Product liability expertise is essential

What to Do After a Tesla or Autonomous Vehicle Accident in Boerne:

Document the vehicle’s autopilot status at the time of the crash
Preserve all electronic data from the vehicle
Take photos and videos of the scene
Seek medical attention
Call Attorney911 at 1-888-ATTY-911 to investigate potential product liability claims

The 48-Hour Protocol: What to Do Immediately After an Accident in Kendall County

Every day you wait, evidence disappears, and your case becomes harder to prove. Follow this 48-hour protocol to protect your rights:

Hour 1-6: Immediate Crisis Response

✅ Safety First: If you can move safely, get to a secure location away from traffic
✅ Call 911: Report the accident and request medical assistance if anyone is injured
✅ Medical Attention: Adrenaline masks injuries—get checked even if you feel fine
✅ Document Everything:

Take photos of ALL vehicle damage (every angle)
Photograph the accident scene, road conditions, and traffic signals
Take photos of visible injuries
Screenshot any messages visible on your phone (do NOT delete anything)
✅ Exchange Information:
Other driver’s name, phone, address
Insurance company and policy number
Driver’s license number
License plate number
Vehicle make, model, color
✅ Witnesses: Get names and phone numbers of any witnesses
✅ Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to ANY insurance company

Hour 6-24: Evidence Preservation

✅ Digital Preservation:

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

Hour 24-48: Strategic Decisions

✅ Legal Consultation: Call Attorney911 at 1-888-ATTY-911 for a free consultation
✅ Insurance Response: If insurance contacts you, refer them to your attorney
✅ Settlement Offers: Do NOT accept or sign anything without lawyer review
✅ Evidence Backup: Upload all screenshots and photos to cloud storage

Week One Priorities:

✅ Medical Follow-Up: Continue documenting all injuries and follow all doctor recommendations
✅ Investigation Begins: Attorney911 will obtain police reports, send preservation letters, and secure surveillance footage
✅ Communication: We handle ALL insurance communication so you can focus on recovery

Texas Motor Vehicle Law: What Boerne and Kendall County Residents Need to Know

Statute of Limitations

Texas Civil Practice & Remedies Code § 16.003

Claim Type	Time Limit	Starts From
Personal Injury	2 years	Date of accident
Wrongful Death	2 years	Date of death
Property Damage	2 years	Date of damage
Government Claims	6 months notice	Date of incident

Exceptions:

Discovery Rule: SOL may start later if injury/cause not immediately discoverable
Defendant Absence: Tolled if defendant leaves Texas
Mental Incapacity: Tolled during incapacity

CRITICAL: Miss the deadline = case BARRED forever. Cannot be extended or waived.

Comparative Negligence (51% Bar Rule)

Texas uses modified comparative negligence with a 51% bar:

If you are 50% or less at fault → You can recover damages (reduced by your % of fault)
If you are 51% or more at fault → You recover NOTHING

Examples:

Your Fault %	Case Value	Your Recovery
0%	$100,000	$100,000
10%	$100,000	$90,000
25%	$250,000	$187,500
40%	$500,000	$300,000
50%	$500,000	$250,000
51%	$500,000	$0

Why This Matters:

Insurance companies ALWAYS try to assign maximum fault to you to reduce their payment. Lupe Peña’s experience as a former insurance defense attorney gives us a unique advantage in countering these arguments.

Texas Minimum Auto Insurance Requirements (30/60/25)

Coverage	Minimum Required
Bodily Injury – Per Person	$30,000
Bodily Injury – Per Accident	$60,000
Property Damage – Per Accident	$25,000

Uninsured Motorist Statistics:

15.4% of U.S. motorists are uninsured (approximately 1 in 7 drivers)
UM/UIM coverage is critical for protection
Texas allows inter-policy stacking

Proving Liability: How Attorney911 Builds Your Case

To win a motor vehicle accident case in Texas, we must prove four elements of negligence:

Duty of Care: All drivers have a legal duty to operate their vehicles safely
Breach of Duty: The at-fault driver violated their duty of care (speeding, running a red light, texting, etc.)
Causation: The breach of duty directly caused your injuries
Damages: You suffered actual harm (physical, financial, emotional)

Evidence We Use to Prove Your Case:

Physical Evidence:

Vehicle damage photographs (all angles)
Skid marks, debris, and road damage
Damaged personal property (clothing, glasses, phone)
Weather and road condition documentation

Documentary Evidence:

Police accident report
911 call recordings
Traffic camera footage
Surveillance footage from nearby businesses
Medical records and bills
Employment records (for lost wages)
Cell phone records (proving distraction)

Electronic Evidence:

ELD (Electronic Logging Device) data from trucks
Vehicle black box/EDR (Event Data Recorder)
GPS/telematics data
Dashcam footage
Social media posts (theirs, not yours)

Testimonial Evidence:

Witness statements
Expert witness testimony
Medical expert opinions
Accident reconstruction specialists

Multiple Liable Parties

In many cases, multiple parties can be held responsible:

Trucking Accidents: Driver, trucking company, cargo loader, manufacturer, maintenance company
Rideshare Accidents: Driver, rideshare company (Uber/Lyft), other at-fault drivers, vehicle owner
Drunk Driving Accidents: Driver, bar/restaurant (dram shop liability), social host, liquor store
Product Liability Cases: Vehicle manufacturer, parts manufacturer, dealership

More liable parties = more insurance policies = higher recovery potential.

Damages and Compensation: What You Can Recover

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

Types of Damages:

Economic Damages (No Cap in Texas):

Medical expenses (past and future)
Lost wages and earning capacity
Property damage
Out-of-pocket expenses (transportation, home modifications, household help)

Non-Economic Damages (No Cap Except Medical Malpractice):

Pain and suffering
Mental anguish
Physical impairment
Disfigurement
Loss of enjoyment of life
Loss of consortium (impact on marriage/family relationships)

Punitive/Exemplary Damages (Capped):

Available for gross negligence, fraud, or malice
Drunk driving cases often qualify
Cap: Greater of $200,000 OR (2x economic + 1x non-economic max $750,000)

Settlement Ranges by Injury Type:

Soft Tissue Injuries (Whiplash, Sprains, Strains):

Medical Treatment: $6,000-$16,000
Lost Wages: $2,000-$10,000
Pain & Suffering: $8,000-$35,000
Settlement Range: $15,000-$60,000

Broken Bone (Single, Simple Fracture):

Medical Treatment: $10,000-$20,000
Lost Wages: $5,000-$15,000
Pain & Suffering: $20,000-$60,000
Settlement Range: $35,000-$95,000

Herniated Disc (Conservative Treatment):

Medical Treatment: $22,000-$46,000
Lost Wages: $8,000-$25,000
Pain & Suffering: $40,000-$100,000
Settlement Range: $70,000-$171,000

Herniated Disc (Surgery Required):

Medical Treatment: $96,000-$205,000
Future Medical: $30,000-$100,000
Lost Wages: $20,000-$50,000
Lost Earning Capacity: $50,000-$400,000
Pain & Suffering: $150,000-$450,000
Settlement Range: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe):

Medical Treatment: $198,000-$638,000
Future Medical: $300,000-$3,000,000+
Lost Wages: $50,000-$200,000
Lost Earning Capacity: $500,000-$3,000,000+
Pain & Suffering: $500,000-$3,000,000+
Settlement Range: $1,548,000-$9,838,000

Attorney911 Documented Result:

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

Spinal Cord Injury / Paralysis:

Lifetime care costs can range from $2,500,000 to $13,000,000+
Settlement Range: $4,770,000-$25,880,000

Amputation:

Medical Treatment: $170,000-$480,000
Future Prosthetics: $500,000-$2,000,000
Settlement Range: $1,945,000-$8,630,000

Attorney911 Documented Result:

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

Wrongful Death (Working Age Adult):

Funeral and burial: $10,000-$20,000
Medical expenses before death: $50,000-$500,000
Lost financial support: $1,000,000-$4,000,000
Loss of companionship: $500,000-$3,000,000
Settlement Range: $1,910,000-$9,520,000

Attorney911 Documented Result:

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

Insurance Tactics Exposed: How Attorney911 Counters Their Playbook

At Attorney911, we know how insurance companies operate because Lupe Peña spent years working for them. He knows their playbook, and now he uses that knowledge to fight for you.

Tactic #1: Quick Contact & Recorded Statement (Days 1-3)

What They Do:
Insurance adjusters contact you immediately—often while you’re still in the hospital or on pain medication. They act friendly and helpful, saying things like:

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

What They’re Really Doing:
They’re building their defense against you with leading questions designed to minimize your injuries and shift blame:

Question They Ask	What They Want You to Say
“You’re feeling better now though, right?”	Trap you into saying you’re improving
“It wasn’t that bad of an impact, was it?”	Minimize collision severity
“You were able to walk away from the scene?”	Suggest injuries aren’t serious
“Were you distracted at all?”	Get you to admit distraction
“How fast were you going?”	Hope you overestimate or say “I don’t know”

How Attorney911 Counters:
We tell our clients: DO NOT give a recorded statement without us. Once you hire Attorney911:

We become your voice
All calls go through us
You don’t talk to adjusters
We prepare you properly if a statement becomes necessary
We sit with you during any statements

Lupe’s Insider Knowledge:
Lupe knows exactly what questions they’ll ask because he asked them for years. Now he knows how to counter them.

Tactic #2: Quick Settlement Offer (Weeks 1-3)

What They Do:
Within days or weeks of your accident, the insurance company offers you quick money:

Typical offers: $2,000-$5,000
Sometimes $10,000-$15,000 if they’re scared
Sounds good when you have zero money and mounting bills

The Trap:
You don’t know the extent of your injuries yet. Consider this scenario:

What Happens	Result
Day 3: Insurance offers $3,500 “final settlement”	You’re desperate, in pain, scared
You sign the release	You think it’s over
Week 6: MRI shows herniated disc requiring surgery	Surgery costs $100,000
TOO LATE	You signed release, can’t reopen claim
You pay $100,000 out of pocket	Insurance pays nothing more

How Attorney911 Counters:
NEVER settle before Maximum Medical Improvement (MMI). MMI is when you’ve reached the best medical outcome possible. This could take:

6 months for minor injuries
12-18 months for serious injuries
24+ months for catastrophic injuries

Lupe knows these offers are always lowball because he calculated them for years. He knows they’re offering 10-20% of what your case is truly worth.

Tactic #3: “Independent” Medical Exam (Months 2-6)

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

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

How Insurance Companies Choose IME Doctors (Lupe Knows This):

Selection Criteria:

Doctors who consistently give insurance-favorable reports
Doctors who find “no injury” or “pre-existing condition”
Doctors paid THOUSANDS by insurance companies ($2,000-$5,000 per exam)
Repeat business = repeat favorable reports

What Happens at an IME:

10-15 minute “examination” (vs. your treating doctor’s thorough evaluation)
Rarely review your complete medical records beforehand
Ask questions designed to elicit “I’m feeling better” responses
Look for ANY reason to minimize your injuries

Common IME Doctor Findings:

What They Say	What It Means
“Patient has pre-existing degenerative changes”	Everyone over 40 has some arthritis—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”	Medical speak for calling you a LIAR

How Attorney911 Counters:

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

Tactic #4: Delay and Financial Pressure (Months 6-12+)

What They Do:
Insurance companies drag your case out, hoping you’ll get desperate:

“Still investigating your claim”
“Waiting for medical records” (that we sent months ago)
“Reviewing your file”
“Need additional information”
Ignore calls and emails
Take weeks to respond to simple questions

Why Delay Works (On People Without Attorneys):

Insurance Companies Have:

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

You Have:

Mounting bills
Zero income
Creditors threatening
Need money NOW

Financial Desperation Makes You Accept Less:

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

How Attorney911 Counters:

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

Tactic #5: Surveillance and Social Media Monitoring

What They Do:
Insurance companies hire private investigators to:

Video you doing daily activities
Film from public places (your driveway, street, stores)
Look for ANY activity contradicting your injury claims
One video of you bending over = “Not really injured”

They Monitor ALL Your Social Media:

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

Examples We’ve Defended:

Example	What Happened	Insurance Claimed	Reality
Old Photo	Gym photo from 3 YEARS AGO	Presented as recent, contradicts injury	We proved metadata was pre-accident
Restaurant Check-in	Facebook check-in at restaurant	“Partying and having fun”	Sitting quietly having dinner
Friend’s Comment	Friend posted “Had fun yesterday!”	Evidence of non-injury	Client was resting at home
Walking Dog	Video of client walking dog slowly	“Not disabled”	Doctor RECOMMENDED short walks
Smiling in Photo	Family photo smiling	“Not in pain—she’s smiling!”	Everyone smiles for photos

7 Rules for Clients:

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

Lupe’s Insider Quote:

“I’ve reviewed hundreds of surveillance videos and social media posts as 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.”

Tactic #6: Comparative Fault Arguments

What They Do:
Insurance companies try to assign you maximum fault to reduce their payment:

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

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

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

Even Small Fault Percentages Cost Thousands:

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

How Attorney911 Counters:
Aggressive Liability Investigation:

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

Lupe’s Insider Advantage:
Lupe knows their fault arguments because he made them for years—now he defeats them.

The Colossus System: How Insurance Companies Actually Value Your Claim

How Colossus Works:

Lupe Peña knows this system inside and out because he worked with it for years at a national defense firm.

Step	What Happens
1. Data Entry	Adjuster inputs injury codes, treatment, costs, jurisdiction
2. Coding	Injuries coded using standardized medical terms
3. Calculation	Software applies algorithms to determine “value”
4. Range Output	System provides recommended settlement range
5. Authority	Adjuster typically cannot exceed without supervisor approval

How Insurance Manipulates Colossus:

Manipulation	Effect
Low Injury Codes	“Soft tissue strain” instead of “disc herniation” reduces value 50-100%
Excessive Treatment Flags	Therapy beyond “normal” range triggers reduction
Conservative Treatment Penalty	Chiropractic valued less than MD
Pre-Existing Reduction	Any prior condition used to reduce value
Jurisdiction Factor	Low-verdict counties get lower values

Why Lupe’s Experience Matters:

Knows how to code injuries properly for maximum value
Knows which medical terms trigger higher valuations
Knows when Colossus output is artificially low
Knows how to present records to beat the algorithm
Worked with these systems for years as a defense attorney

Medical Knowledge: Understanding Your Injuries

At Attorney911, we understand the medical reality of motor vehicle accident injuries. This knowledge allows us to connect your injuries to the accident and fight for full compensation.

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:

Immediate Symptoms (At Accident Scene or Within Hours):

Loss of consciousness (even brief—seconds to minutes)
Confusion and disorientation (“Where am I? What happened?”)
Vomiting and nausea
Seizures
Severe headache
Dilated pupils
Slurred speech
Weakness or numbness

Delayed Symptoms (Hours to Days Later—CRITICAL):

Worsening headaches that don’t respond to medication
Repeated vomiting
Seizures developing days later
Slurred speech or difficulty speaking
Personality changes and mood swings
Sleep disturbances (sleeping much more or can’t sleep)
Sensitivity to light and noise
Confusion and memory problems worsening

Why Delayed Symptoms Matter Legally:
Insurance companies claim delayed symptoms aren’t from the accident. We use medical experts to explain that symptom progression is NORMAL for brain injuries.

Severity Classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief LOC, GCS 13-15, may seem “fine” initially but can have serious long-term effects
Moderate TBI	LOC minutes to hours, GCS 9-12, lasting cognitive impairment, requires hospitalization
Severe TBI	Extended unconsciousness or coma, GCS 3-8, permanent disability likely, lifetime care needs

Long-Term Complications:

Chronic Traumatic Encephalopathy (CTE): Progressive brain degeneration, personality changes, dementia
Post-Concussive Syndrome: Headaches, dizziness lasting months or years (affects 10-15%)
Increased Dementia Risk: Single moderate TBI doubles dementia risk later in life
Personality and Mood Disorders: Depression (40-50% of TBI patients), anxiety, irritability
Seizure Disorders: Can develop months or years after injury
Cognitive Impairment: Memory problems, difficulty concentrating, slowed processing

Spinal Cord Injury

Injury Levels and Impact:

Cervical Spine (C1-C8, Neck Region):

C1-C4 (High Cervical): Quadriplegia (all four limbs paralyzed), possible ventilator dependence, 24/7 care required
C5-C8 (Low Cervical): Quadriplegia with some arm/hand function, wheelchair dependent

Thoracic Spine (T1-T12, Mid-Back):

Paraplegia: Lower body paralysis, wheelchair dependent
Trunk control varies by level

Lumbar Spine (L1-L5, Lower Back):

Varying degrees of leg weakness/paralysis
Bowel/bladder dysfunction common
May walk with assistive devices

ASIA Impairment Scale:

Grade	Classification	Prognosis
A	Complete	No motor or sensory function below injury—worst
B	Sensory Incomplete	Sensory function but no motor function
C	Motor Incomplete	Motor function but most muscles <3/5 strength
D	Motor Incomplete	Motor function with most muscles ≥3/5 strength
E	Normal	Full motor and sensory function (recovered)

Secondary Complications:

Pressure sores (leading cause of hospitalization)
Respiratory complications (pneumonia—leading cause of death)
Bowel and bladder dysfunction
Sexual dysfunction
Autonomic dysreflexia (life-threatening blood pressure crisis)
Depression (40-60% of patients)
Shortened life expectancy (5-15 years on average)

Amputation

Types:

Traumatic Amputation: Limb severed at accident scene by collision impact
Surgical Amputation: Due to crush injuries or infections (like our documented case)

Levels:

Above-Knee: More difficult, less mobility, more expensive prosthetics
Below-Knee: Better mobility potential, easier prosthetic use
Upper Extremity: Arm, hand, fingers
Multiple Limbs: Exponentially more challenging

Phantom Limb Pain:

80% of amputees experience phantom pain
Feeling pain in limb that’s no longer there
Can be severe and debilitating
Often permanent condition
Requires lifetime pain management

Attorney911 Case Result:

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

Burn Injuries

Classifications:

Degree	Characteristics	Treatment
First-Degree	Superficial, like sunburn, heals 7-10 days	Outpatient
Second-Degree	Blistering, severe pain, may scar	Monitor, possible hospital
Third-Degree	Full thickness, destroys all skin, always scars	Skin grafting required
Fourth-Degree	Extends into muscle and bone	Often requires amputation

Body Surface Area Impact:

% Body Burned	Treatment Required
<10%	Usually outpatient
10-20%	Hospitalization required
20-40%	Burn center, ICU, multiple surgeries
>40%	Extremely life-threatening
>60%	Often fatal

Herniated Disc

Treatment Timeline:

Acute Phase (Weeks 1-6): Severe pain, medications, rest. Cost: $2,000-$5,000
Conservative Treatment (Weeks 6-12): Physical therapy, chiropractic. Cost: $5,000-$12,000
Interventional (If Conservative Fails): Epidural steroid injections. Cost: $3,000-$6,000
Surgery (If Injections Fail): Microdiscectomy or fusion. Cost: $50,000-$120,000

Permanent Restrictions Impact:

Can’t return to physical labor jobs
Lost earning capacity claims
Ongoing pain management needs

Soft Tissue Injuries

Why Insurance Undervalues Soft Tissue:

No broken bones or surgery = appears “minor”
Difficult to see on X-rays
Symptoms are subjective (pain, stiffness)

Why Soft Tissue Can Be SERIOUS:

15-20% develop chronic pain
Can prevent return to physical jobs
Whiplash can cause permanent problems
Often misdiagnosed initially (rotator cuff tears thought to be sprains)

Proper Documentation is CRITICAL:

Detailed pain descriptions to doctors
Consistent treatment (no gaps)
MRI proving injury
Physical therapy records
Work restrictions documented

Why Choose Attorney911 for Your Boerne Motor Vehicle Accident Case

When you’re injured in a motor vehicle accident in Boerne or anywhere in Kendall County, you need more than just a lawyer—you need a legal team with the experience, resources, and insider knowledge to fight for maximum compensation. Here’s why Attorney911 is the right choice:

1. Insurance Defense Insider Advantage

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

What This Means for Your Case:

We know their tactics because Lupe used them for years
We anticipate their strategies before they deploy them
We know how they value claims internally
We know which IME doctors they favor
We know how to beat their algorithms
We speak their language

No other firm in Kendall County has this advantage.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for victims of:

Brain injuries: “Multi-million dollar settlement for client who suffered brain injury with vision loss”
Amputations: “This case settled in the millions”
Trucking wrongful death: “Recovered millions of dollars in compensation”
Maritime injuries: “Significant cash settlement”

Our results prove we don’t settle cheap.

3. Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas.

Why This Matters:

Complex cases often end up in federal court
FMCSA trucking regulations are federal
Diversity jurisdiction for out-of-state defendants
Federal court requires different skills than state court

BP Explosion Litigation: “Our firm is one of the few firms in Texas to be involved in BP explosion litigation”

4. Personal Attention You Deserve

What 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

“Ralph reached out personally.” – Dame Haskett

“Consistent communication and not one time did i call and not get a clear answer.” – Dame Haskett

You work directly with Ralph or Lupe, not a case manager assembly line.

5. Contingency Fee – No Risk to You

“We don’t get paid unless we win your case.”

Free consultation
No upfront costs
No hourly billing
We advance all case costs
You pay nothing unless we recover for you

Frequently Asked Questions About Motor Vehicle Accidents in Boerne

1. What should I do immediately after a car accident in Boerne or Kendall County?

If you’ve been in an accident in Boerne or anywhere in Kendall County:

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

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

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

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

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

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

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

4. What information should I collect at the scene?

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

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

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

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

In Boerne and Kendall County, you can obtain the police report from the Boerne Police Department or the Kendall County Sheriff’s Office. You can also request it through the Texas Department of Transportation’s Crash Records Information System (CRIS).

7. Should I give a recorded statement to insurance?

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

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

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

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

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

10. Should I accept a quick settlement offer?

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

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

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

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

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

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

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

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

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

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

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

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

17. What happens if I was partially at fault?

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

18. Will my case go to trial?

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

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

19. How long will my case take to settle?

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

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

Investigation and evidence gathering
Medical treatment to MMI
Demand letter to insurance
Negotiation
Lawsuit if necessary
Discovery
Mediation
Trial if needed

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

21. What is my case worth?

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

22. What types of damages can I recover?

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

23. Can I get compensation for pain and suffering?

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

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

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

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

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

26. How is the value of my claim determined?

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

27. How much do car accident lawyers cost?

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

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

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

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

29. How often will I get updates?

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

30. Who will actually handle my case?

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

31. What if I already hired another attorney?

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

32. What common mistakes can hurt my case?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

39. How do you calculate pain and suffering?

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

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

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

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

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

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

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

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

Parking lot accidents are fully compensable. Insurance companies love to argue “parking lot accidents are always 50/50 fault” (LIE). We prove fault through: surveillance video, witness statements, damage analysis, traffic patterns. Texas comparative negligence rules apply. We’ve won many parking lot cases with clear liability findings.

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

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

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

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

Boerne and Kendall County: Your Community, Our Commitment

At Attorney911, we’re proud to serve the Boerne and Kendall County community. Whether you’re a lifelong resident or one of the many people moving to the Hill Country for its quality of life, we understand the unique challenges you face on our roads.

Boerne and Kendall County Roadways:

Major Highways:

I-10: Connecting Boerne to San Antonio and beyond, this busy interstate sees heavy commuter and truck traffic
FM 474: A scenic route that can be dangerous due to wildlife crossings and sudden curves
SH 46: Connecting Boerne to New Braunfels, this highway sees both local and tourist traffic
Main Street (Boerne): The heart of downtown Boerne, with busy intersections and pedestrian traffic

Dangerous Intersections:

I-10 and SH 46: A major interchange with heavy traffic and frequent accidents
Main Street and River Road: Busy downtown intersection with pedestrian crossings
FM 474 and SH 46: Rural intersection with limited visibility
I-10 and Boerne Stage Road: High-speed merge area

Local Hospitals and Trauma Centers:

Peterson Regional Medical Center (Kerrville): Primary hospital for Kendall County residents
Methodist Hospital (San Antonio): Level IV trauma center
University Hospital (San Antonio): Level I trauma center
Christus Santa Rosa Hospital (San Antonio): Level III trauma center

Why Local Knowledge Matters:

When you hire Attorney911, you’re not just getting a Texas car accident lawyer—you’re getting a team that understands Boerne and Kendall County. We know:

The local courts and judges
The insurance adjusters who handle Kendall County claims
The unique traffic patterns and accident hotspots
The best medical providers in the area
The local jury pool and what they expect

Our Commitment to Kendall County:

Attorney911 is committed to serving the Boerne and Kendall County community. We offer:

Free consultations for accident victims
Spanish-language services (Hablamos Español)
Willingness to travel to Kendall County for meetings and depositions
Local phone numbers for easy access
Community involvement and support

What to Do Now: Take the First Step Toward Justice

If you’ve been injured in a motor vehicle accident in Boerne or anywhere in Kendall County, time is critical. Evidence disappears daily, and insurance companies are already building their case against you.

Call Attorney911 now at 1-888-ATTY-911 (1-888-288-9911) for a free, no-obligation consultation.

What to expect when you call:

You’ll speak with a real person, not an answering service
We’ll listen to your story and answer your questions
We’ll explain your rights and options
If we take your case, we’ll start working immediately to preserve evidence
You pay nothing unless we win

Remember:

Free consultation – no risk, no obligation
No fee unless we win – we don’t get paid unless you do
Evidence disappears daily – call now before it’s too late
Insurance companies are already working against you – we can level the playing field
We handle everything – you focus on recovery

Attorney911: Your Legal Emergency Response Team for Boerne and Kendall County

Call now: 1-888-ATTY-911 (1-888-288-9911)

Serving Boerne, Kendall County, and all of Texas