Motor Vehicle Accident Lawyers in Saginaw, Texas | Attorney911

If you’ve been injured in a car accident in Saginaw, Texas, you’re not alone. Every year, thousands of Texans find their lives turned upside down by motor vehicle crashes. In Tarrant County alone, there are hundreds of accidents annually, leaving victims with serious injuries, mounting medical bills, and uncertainty about their future. At Attorney911, we understand the physical, emotional, and financial toll an accident can take. With over 25 years of experience fighting for accident victims across Texas, our team is here to help you navigate this difficult time and fight for the compensation you deserve.

Why Saginaw Accident Victims Choose Attorney911

When you’re hurt in a car accident in Saginaw, you need more than just a lawyer – you need a legal team that understands the unique challenges of your situation. Here’s why Attorney911 is the trusted choice for accident victims in Saginaw and throughout Tarrant County:

We Know Saginaw’s Roads and Courts

Saginaw’s location along Highway 287 and near major intersections like those at Meacham Boulevard puts drivers at risk for serious accidents. Our team is familiar with the local courts serving Saginaw, including the Tarrant County civil courts where your case may be heard. We understand the specific accident patterns in this area and know how to build strong cases for our clients.

Insurance Defense Insider Advantage

Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for national insurance companies. He knows exactly how they value claims, what tactics they use to minimize payouts, and how to counter their strategies. This insider knowledge gives our clients a significant advantage in negotiations and litigation.

Multi-Million Dollar Results

We don’t just talk about results – we have the track record to prove our capabilities. Attorney911 has recovered millions for accident victims, including:

Multi-million dollar settlements for clients with catastrophic injuries
Significant recoveries in trucking accident cases
Millions for families in wrongful death claims

“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.”

Federal Court Experience

Ralph Manginello, our managing partner, is admitted to practice in the U.S. District Court for the Southern District of Texas. This federal court admission is crucial for handling complex cases, particularly those involving commercial vehicles or multi-state defendants.

Personal Attention You Can Trust

At Attorney911, you’re not just another case number. You’ll work directly with our attorneys, not a case manager assembly line. As client Chad Harris shared:

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

Common Types of Motor Vehicle Accidents in Saginaw

Saginaw sees a variety of motor vehicle accidents, each with unique legal considerations. Our team has experience handling all types of crashes, including:

Car Accidents in Saginaw

Car accidents are the most common type of motor vehicle crash in Saginaw. With heavy traffic on Highway 287 and local roads, collisions can happen in an instant. Common causes include:

Distracted driving (texting, phone use)
Speeding
Failure to yield right of way
Running red lights or stop signs
Following too closely
Drunk or drugged driving

In Texas, there were 251,977 people injured in motor vehicle crashes in 2024, with one crash occurring every 57 seconds. These accidents can result in serious injuries such as:

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

If you’ve been injured in a car accident in Saginaw, it’s crucial to act quickly. Evidence disappears daily, and insurance companies start building their case against you from day one.

Trucking Accidents on Highway 287

Highway 287 sees significant commercial truck traffic, putting Saginaw drivers at risk for catastrophic trucking accidents. In 2024, there were 39,393 commercial motor vehicle crashes in Texas, resulting in 608 fatalities and 1,601 serious injuries.

Trucking accidents are particularly dangerous due to the size and weight disparity between large trucks and passenger vehicles. A fully loaded 18-wheeler can weigh up to 80,000 pounds – 20 times the weight of a typical passenger car.

Common causes of trucking accidents in Saginaw include:

Driver fatigue (violations of Hours of Service regulations)
Improper loading or overloading
Inadequate vehicle maintenance
Distracted or impaired driving
Speeding or aggressive driving
Poor weather conditions

At Attorney911, we understand the complex regulations governing the trucking industry, including:

Federal Motor Carrier Safety Administration (FMCSA) regulations
Hours of Service (HOS) rules limiting driving time
Electronic Logging Device (ELD) requirements
Commercial driver qualification standards
Vehicle maintenance and inspection requirements

Our team knows how to investigate trucking accidents thoroughly, preserving critical evidence like ELD data and black box information before it’s lost.

“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.”

Drunk Driving Accidents in Tarrant County

Drunk driving remains 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 Tarrant County, drunk driving accidents are all too common, often resulting in catastrophic injuries or death.

If you’ve been injured by a drunk driver in Saginaw, you may have multiple avenues for compensation:

The drunk driver’s insurance: Standard auto insurance coverage
Dram shop liability: Under Texas Alcoholic Beverage Code § 2.02, bars, restaurants, and other establishments can be held liable if they served alcohol to someone who was obviously intoxicated and that person then caused an accident
Punitive damages: In cases of gross negligence, you may be entitled to additional damages meant to punish the wrongdoer

Our team includes criminal defense experience, giving us unique insight into these cases. Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), and we’ve successfully handled numerous DWI cases, including:

A case where charges were dismissed because a police department employee wasn’t properly maintaining breathalyzer machines
A case where the client was charged with DUI/DWI despite no breath or blood test, missing EMS notes, and missing hospital records – dismissed on the day of trial
A case where video evidence showed the client wasn’t drunk – charges dismissed

This experience gives us an advantage in civil drunk driving cases, where we can leverage our knowledge of criminal defense to build stronger civil claims.

Motorcycle Accidents in Saginaw

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

Saginaw sees its share of motorcycle accidents, particularly on Highway 287 and local roads. Common causes include:

Drivers failing to yield right of way to motorcycles
Drivers not seeing motorcycles in traffic
Unsafe lane changes by other vehicles
Left-turn accidents at intersections
Speeding or reckless driving

Texas law requires all riders under 21 to wear helmets. Riders 21 and older may ride without a helmet if they’ve completed an approved safety course or have at least $10,000 in medical insurance coverage.

One of the biggest challenges in motorcycle accident cases is overcoming the bias that riders are automatically at fault. Insurance companies often try to blame the motorcyclist, even when the accident was clearly the other driver’s fault. Our team knows how to counter these arguments and fight for fair compensation.

Pedestrian Accidents in Saginaw

Pedestrian accidents are particularly dangerous, often resulting in catastrophic injuries. In 2024, there were 6,095 pedestrian crashes in Texas, resulting in 768 fatalities. Pedestrians account for just 1% of crashes but 19% of all roadway deaths.

Saginaw has seen its share of pedestrian accidents, particularly in areas with heavy foot traffic. It’s important to know that in Texas, pedestrians generally have the right of way at intersections – even unmarked ones. This is a legal point many drivers don’t understand.

Common pedestrian accident injuries include:

Traumatic brain injuries
Spinal cord injuries and paralysis
Broken bones (pelvis, legs, arms)
Internal organ damage
Wrongful death

If you’ve been hit by a car while walking in Saginaw, you may be entitled to significant compensation. Our team can help investigate the accident, identify all liable parties, and fight for your rights.

What to Do After an Accident in Saginaw

The moments after a car accident can be chaotic and confusing. Here’s what you should do to protect your health and your legal rights:

Immediate Steps (First 48 Hours)

Call 911: Report the accident and request medical assistance if anyone is injured.
Seek medical attention: Even if you feel fine, get checked out. Many serious injuries don’t show symptoms immediately due to adrenaline.
Document everything:
- Take photos of all vehicle damage (every angle)
- Photograph the accident scene, road conditions, and traffic signals
- Take photos of any visible injuries
- Screenshot any messages visible on your phone (do NOT delete anything)
Exchange information:
- Other driver’s name, phone number, address
- Driver’s license number
- Insurance company and policy number
- Vehicle make, model, color, and license plate number
Get witness information: Names and phone numbers of any witnesses.
Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to any insurance company.

Critical Days 2-7

Follow up with medical treatment: Continue documenting all injuries and following your doctor’s recommendations.
Preserve evidence:
- Do NOT delete anything from your phone (texts, photos, videos)
- Screenshot everything relevant to the accident
- Email copies to yourself for backup
- Secure damaged clothing, glasses, or other personal items
Be cautious with insurance:
- Note any calls from insurance companies
- Do NOT give recorded statements without consulting an attorney
- Do NOT sign anything without attorney review
- Do NOT accept any settlement offers
Social media precautions:
- Make ALL profiles private immediately
- Do NOT post about the accident, your injuries, or your activities
- Tell friends and family not to tag you in posts

Why Time is Critical

Evidence disappears quickly after an accident:

Surveillance footage: Typically deleted within 7-30 days
Witness memories: Fade quickly and become less reliable
Vehicle evidence: Can be lost once vehicles are repaired
Black box/ELD data: Can be overwritten in 30-180 days

At Attorney911, we act fast to preserve evidence. Within 24 hours of being retained, we send preservation letters to:

The other driver’s insurance company
Any involved trucking companies
Businesses near the accident scene
Employers of involved parties
Property owners
Government entities

These letters legally require evidence preservation before automatic deletion.

Texas Motor Vehicle Accident Laws You Need to Know

Understanding Texas law is crucial for protecting your rights after an accident. Here are the key legal concepts you should know:

Statute of Limitations

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

There are limited exceptions to this rule, such as:

The “discovery rule” – if you couldn’t have reasonably discovered your injury immediately
Cases involving minors – the clock may start when the minor turns 18
Cases against government entities – which often have shorter notice requirements

Comparative Negligence (51% Rule)

Texas uses a modified comparative negligence system. This means:

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

For example:

If your damages are $100,000 and you’re found 20% at fault, you can recover $80,000.
If your damages are $100,000 and you’re found 51% at fault, you recover nothing.

Insurance companies often try to assign as much fault as possible to accident victims to reduce their payouts. Having an experienced attorney on your side can make a significant difference in how fault is allocated.

Texas Minimum Auto Insurance Requirements

Texas requires all drivers to carry minimum auto insurance coverage of:

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

However, these minimum limits are often insufficient to cover serious injuries. Many drivers also carry:

Uninsured/Underinsured Motorist (UM/UIM) coverage: Protects you if the at-fault driver has no insurance or insufficient coverage
Personal Injury Protection (PIP): Provides immediate coverage for medical expenses and lost wages, regardless of fault
Medical Payments (MedPay): Covers medical expenses for you and your passengers

Dram Shop Liability

Under Texas Alcoholic Beverage Code § 2.02, bars, restaurants, and other establishments can be held liable if they serve alcohol to someone who is obviously intoxicated and that person then causes an accident.

To prove dram shop liability, you must show:

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

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

Wrongful Death vs. Survival Actions

In cases involving fatalities, Texas law allows for two types of claims:

Wrongful Death Claim: Brought by surviving family members for their own losses due to the death of their loved one. Damages can include:
- Loss of companionship
- Mental anguish
- Lost financial support
- Funeral expenses
Survival Action: Brought on behalf of the deceased’s estate for damages the deceased would have been entitled to if they had survived. Damages can include:
- Pain and suffering before death
- Medical expenses before death
- Lost income before death

Both claims can be pursued simultaneously in many cases.

Proving Liability in Your Saginaw Accident Case

To win your case, you must prove that the other party was negligent and that their negligence caused your injuries. This requires establishing four elements:

Duty of Care: The other party had a legal obligation to act reasonably (all drivers have a duty to operate their vehicles safely)
Breach of Duty: The other party failed to meet that obligation (by speeding, texting, driving drunk, etc.)
Causation: The breach of duty directly caused your injuries
Damages: You suffered actual harm (physical, financial, emotional)

Types of Evidence We Use

At Attorney911, we leave no stone unturned in building your case. We gather and preserve all types of evidence, including:

Physical Evidence:
- Vehicle damage photographs
- Skid marks and road conditions
- Damaged personal property
- Weather conditions at the time
Documentary Evidence:
- Police accident reports
- 911 call recordings
- Traffic camera footage
- Surveillance footage from nearby businesses
- Medical records and bills
- Employment records for lost wage claims
Electronic Evidence:
- Electronic Logging Device (ELD) data from trucks
- Vehicle black box/Event Data Recorder (EDR) information
- GPS and telematics data
- Dashcam footage
- Cell phone records (to prove distraction)
Testimonial Evidence:
- Witness statements
- Expert witness testimony (accident reconstruction, medical experts)
- Your own account of what happened

Multiple Liable Parties

In many cases, there are multiple parties who may share liability for your accident:

Trucking Accidents: Driver, trucking company, cargo loader, vehicle manufacturer, maintenance company
Drunk Driving Accidents: Drunk driver, bar/restaurant (dram shop), social host
Rideshare Accidents: Rideshare driver, rideshare company, other drivers
Defective Vehicle Accidents: Vehicle manufacturer, parts manufacturer, dealership

Identifying all liable parties is crucial for maximizing your compensation, as each party may have separate insurance coverage.

Damages You Can Recover in a Saginaw Accident Case

If you’ve been injured in a car accident, you may be entitled to various types of compensation, known as “damages.” These fall into three main categories:

Economic Damages (No Cap in Texas)

Economic damages are quantifiable financial losses, including:

Medical Expenses (Past and Future):
- Emergency room visits
- Hospital stays
- Surgeries
- Doctor visits
- Physical therapy and rehabilitation
- Prescription medications
- Medical equipment (wheelchairs, crutches, etc.)
- Future medical care
Lost Wages and Earning Capacity:
- Income lost from the time of the accident to the present
- Future lost earnings if you can’t return to work
- Reduced earning capacity if you can’t return to your previous job
Property Damage:
- Vehicle repair or replacement
- Damage to personal property (phones, computers, etc.)
Out-of-Pocket Expenses:
- Transportation to medical appointments
- Home modifications for disabilities
- Household help during recovery

Non-Economic Damages (No Cap Except Medical Malpractice)

Non-economic damages compensate for intangible losses, including:

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

Punitive Damages (Capped in Texas)

Punitive (or exemplary) damages are available in cases involving gross negligence, fraud, or malice. They’re meant to punish the wrongdoer and deter similar conduct.

In Texas, punitive damages are capped at the greater of:

$200,000, OR
Two times economic damages plus one times non-economic damages (capped at $750,000 for the non-economic portion)

Common situations where punitive damages may apply:

Drunk driving accidents
Extreme speeding (100+ mph)
Trucking companies knowingly violating safety regulations
Manufacturers aware of vehicle defects

How Insurance Companies Try to Minimize Your Claim

At Attorney911, we know how insurance companies operate because our team includes Lupe Peña, a former insurance defense attorney. He spent years working for national insurance companies, learning their tactics from the inside. Now, he uses that knowledge to fight for accident victims like you.

Here are the top tactics insurance companies use to minimize your claim – and how we counter them:

Tactic #1: Quick Contact & Recorded Statement

What They Do:
Within hours or days of your accident, an insurance adjuster will contact you. They’ll be friendly, sympathetic, and seem eager to help. They’ll ask you to give a recorded statement about what happened.

Their Goal:
To get you to say something that can be used against you later. They’ll ask leading questions designed to minimize your injuries or shift blame to you.

Common questions they ask:

“You’re feeling better now though, right?” (Trap: Gets you to say you’re improving)
“It wasn’t that bad of an impact, was it?” (Trap: Minimizes collision severity)
“You were able to walk away from the scene?” (Trap: Suggests injuries aren’t serious)
“Were you distracted at all?” (Trap: Gets you to admit distraction)
“How fast were you going?” (Trap: Hope you overestimate or say “I don’t know”)

How We Counter:
We advise all our clients: DO NOT give a recorded statement without an attorney present. Once you hire Attorney911, we handle all communication with the insurance company. We prepare you thoroughly if a statement becomes necessary, and we’re with you during any interviews.

“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.” – Lupe Peña, Attorney911

Tactic #2: Quick Settlement Offer

What They Do:
Within days or weeks of your accident, the insurance company may offer you a quick settlement – often just a few thousand dollars. They’ll create artificial urgency, saying things like:

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

Their Goal:
To get you to accept a lowball offer before you realize the full extent of your injuries. Once you sign a release, you can’t get more money – even if you later need surgery.

How We Counter:
We never settle before you’ve reached Maximum Medical Improvement (MMI) – the point where your condition has stabilized and you’ve recovered as much as possible. This could take months or even years for serious injuries.

We know their offers are always lowball because Lupe used to calculate these offers for insurance companies. He knows how they value claims and how to negotiate for what your case is truly worth.

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

What They Call It:
“Independent Medical Examination”

What It Really Is:
An exam by a doctor hired and paid by the insurance company to minimize your injuries.

What Happens:

You’re sent to a doctor chosen by the insurance company
The exam is typically very brief (10-15 minutes)
The doctor rarely reviews your complete medical records beforehand
They ask questions designed to elicit responses like “I’m feeling better”
They look for any reason to minimize your injuries

Common IME Doctor Findings:

“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 We Counter:

We prepare you extensively before the exam
We send your complete medical records to the IME doctor in advance
We challenge biased IME reports with our own medical experts
Lupe knows these specific doctors and their biases – he hired them for years

Tactic #4: Delay and Financial Pressure

What They Do:
Insurance companies will drag out your claim, saying things like:

“We’re still investigating”
“We’re waiting for medical records”
“Your file is under review”
They ignore your calls and emails

Their Goal:
To make you desperate. While they have unlimited time and resources, you have:

Mounting medical bills
No income if you can’t work
Creditors threatening you
Financial stress making you vulnerable

They hope you’ll accept a lowball offer just to end the nightmare.

How We Counter:

We file lawsuits to force deadlines
We set depositions to make them produce witnesses
We prepare for trial to show 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
Follow you to appointments, errands, and social activities
Look for any activity that contradicts your injury claims

They also monitor all your social media accounts:

Facebook, Instagram, TikTok, LinkedIn, Twitter, YouTube, Snapchat
They screenshot everything: photos, posts, check-ins, comments, likes
They monitor your friends’ profiles for posts mentioning you
They use facial recognition to find photos you’re tagged in
They archive your entire social media history

Examples of How They Use Social Media Against You:

Example	What They Claim	Reality
Old gym photo	“This shows you’re not injured”	Photo was from 3 years before the accident
Restaurant check-in	“You’re out partying and having fun”	You were sitting quietly having dinner
Friend’s comment: “Had fun yesterday!”	“Evidence you’re not injured”	You were resting at home
Video of you walking your dog	“You’re not disabled”	Your doctor recommended short walks
Family photo where you’re smiling	“You’re not in pain – you’re smiling!”	Everyone smiles for photos

7 Rules for Our Clients:

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

Tactic #6: Comparative Fault Arguments

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

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

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

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

Even small fault percentages cost thousands:

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

How We Counter:

We conduct thorough liability investigations
We use accident reconstruction experts
We gather witness statements
We analyze police reports
We counter their comparative fault arguments with evidence
Lupe knows their fault arguments because he made them for years – now he defeats them

Tactic #7: Colossus and Claim Valuation Software

How Insurance Companies Really Value Your Claim:

Most major insurance companies (Allstate, State Farm, Liberty Mutual, etc.) use a computerized claim valuation system called Colossus. Here’s how it works:

Data Entry: The adjuster inputs information about your claim, including:
- Injury codes (medical diagnoses)
- Treatment types and costs
- Lost wages
- Jurisdiction (where the accident occurred)
Coding: Your injuries are coded using standardized medical terms. The SAME injury can be coded different ways, dramatically affecting your claim’s value.
Calculation: The software applies algorithms to determine a “value” for your claim.
Range Output: The system provides a recommended settlement range.
Authority: The adjuster typically cannot exceed this range without supervisor approval.

How They Manipulate Colossus:

Manipulation	Effect
Using low injury codes	“Soft tissue strain” instead of “disc herniation” reduces value 50-100%
Flagging “excessive” treatment	Physical therapy beyond “normal” range triggers reductions
Penalizing conservative treatment	Chiropractic care valued less than MD treatment
Applying pre-existing reductions	Any prior condition used to reduce value
Using jurisdiction factors	Low-verdict counties get lower values

Why Lupe’s Experience Matters:

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

Tactic #8: Medical Authorization Trap

What They Do:
The insurance company will ask you to sign a medical authorization form, saying they need your medical records to process your claim.

What They’re Really Doing:
They want unlimited access to your ENTIRE medical history – not just accident-related records. They’ll search through decades of your medical records looking for any pre-existing conditions to use against you.

Common Pre-Existing Conditions They Use:

Arthritis from 10 years ago
Prior back pain from 2005
Old injuries from years ago
Any medical condition ever documented

Their Argument:

“Your back pain isn’t from this accident – you had back pain in 2010”
“Your neck injury is pre-existing – you saw a chiropractor in 2015”
“Your headaches are from a prior concussion, not this accident”

The Truth:

You’re entitled to compensation even with pre-existing conditions
If the accident made it worse, you recover for the aggravation
The “eggshell plaintiff” rule means they take you as they find you
Prior injury doesn’t give them license to injure you again

How We Counter:

We limit medical authorizations to accident-related records only
We specify date ranges and providers
We review ALL authorizations before you sign
We explain pre-existing conditions properly with medical experts
We document the difference: “Before accident: mild occasional back pain. After accident: severe constant pain requiring surgery.”

Tactic #9: Gaps in Treatment Attack

What They Do:
Insurance companies scrutinize your medical records for any gaps in treatment. They’ll pounce on:

Missed physical therapy appointments
Two weeks between doctor visits
A month without treatment
Stopping treatment for any period

Their Arguments:

“If you were really hurt, you wouldn’t miss treatment”
“Gaps in treatment show you’re not really injured”
“You must have felt better – that’s why you stopped going”
“Your injuries can’t be that serious if you’re not treating consistently”

Why Gaps Happen (Legitimate Reasons):

Couldn’t afford copays
Couldn’t get time off work
Transportation issues
Doctor was booked out for weeks
Insurance denied treatment
Family emergency

How We Counter:

We document the reasons for any gaps
We help you find doctors who accept liens (treat now, pay from settlement)
We connect you with transportation if needed
We coordinate appointments around your work schedule
We explain gaps to insurance companies and juries: “Client couldn’t afford $50 copays while unable to work”

Tactic #10: Policy Limits Bluff

What They Do:
The insurance company claims they have limited coverage, saying:

“We only have $30,000 in coverage”
“That’s the policy limit – we can’t pay more”
“Take it or leave it”

What They’re Hiding:

Umbrella policies (additional $500,000-$5,000,000)
Commercial policies (if driver was working)
Corporate policies (parent company coverage)
Multiple policies that stack
Excess coverage layers

Why They Hide Coverage:

Hoping you’ll settle for minimum limits
Saving millions in additional coverage
Betting you won’t hire an attorney to investigate

How We Counter:

We investigate ALL available coverage
We demand full policy disclosure
We subpoena insurance files if necessary
We search for umbrella policies
We identify corporate coverage
We find employer policies
We discover parent company coverage

Real Example:
Insurance claimed $30,000 policy limit. We investigated and found:

$30,000 personal auto policy
$1,000,000 commercial policy (driver was making delivery)
$2,000,000 umbrella policy
$5,000,000 corporate policy (parent company)

Total available: $8,030,000, not $30,000.

Client recovered $3,200,000 instead of $30,000.

Common Injuries in Saginaw Accidents and Their Impact

Motor vehicle accidents can cause a wide range of injuries, from minor to life-altering. At Attorney911, we understand the medical reality of these injuries and how they impact your life. Here are some of the most common accident injuries we see:

Traumatic Brain Injury (TBI)

What It Is:
A traumatic brain injury occurs when a sudden trauma causes damage to the brain. This can happen when your head strikes an object (like a windshield) or when an object pierces the skull and enters brain tissue.

Symptoms:
TBI symptoms can be immediate or delayed, and may include:

Immediate Symptoms:

Loss of consciousness (even brief – seconds to minutes)
Confusion and disorientation
Vomiting and nausea
Seizures
Severe headache
Dilated pupils
Slurred speech
Weakness or numbness

Delayed Symptoms (Hours to Days Later):

Worsening headaches
Repeated vomiting
Seizures developing days later
Slurred speech or difficulty speaking
Personality changes and mood swings
Sleep disturbances
Sensitivity to light and noise
Memory problems worsening

Severity Classifications:

Mild TBI/Concussion: Brief loss of consciousness, GCS 13-15
Moderate TBI: Loss of consciousness minutes to hours, GCS 9-12
Severe TBI: Extended unconsciousness or coma, GCS 3-8

Long-Term Complications:

Chronic Traumatic Encephalopathy (CTE)
Post-Concussive Syndrome (10-15% of concussions)
Increased dementia risk (single moderate TBI doubles risk)
Personality and mood disorders (40-50% of TBI patients)
Seizure disorders
Cognitive impairment

Legal Considerations:
Insurance companies often claim delayed symptoms aren’t from the accident. We use medical experts to explain symptom progression and link injuries to the crash.

Spinal Cord Injury and Paralysis

What It Is:
Damage to the spinal cord that results in loss of function, such as mobility or feeling. The severity depends on where the injury occurs along the spine.

Injury Levels and Impact:

Injury Level	Characteristics
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
T1-T12 (Thoracic)	Paraplegia (lower body paralysis), trunk control varies by level
L1-L5 (Lumbar)	Varying degrees of leg weakness/paralysis, bowel/bladder dysfunction

ASIA Impairment Scale:

Grade	Classification	Prognosis
A	Complete	No motor or sensory function below injury – worst prognosis
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)

Lifetime Care Costs:

Injury Level	First Year Cost	Each Subsequent Year	Lifetime Total
High Tetraplegia	$1,200,000-$1,500,000	$200,000-$250,000	$6,000,000-$13,000,000+
Low Tetraplegia	$850,000-$1,100,000	$75,000-$100,000	$3,700,000-$6,100,000+
Paraplegia	$500,000-$750,000	$70,000-$90,000	$2,500,000-$5,250,000+

Amputation

What It Is:
The loss of a limb, which can be traumatic (severed at the accident scene) or surgical (due to complications like infections).

Types of Amputations:

Above-knee
Below-knee
Upper extremity (arm, hand, fingers)
Multiple limbs

Phantom Limb Pain:

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

Prosthetic Costs:

Basic prosthetic leg: $5,000-$15,000 every 3-5 years
Advanced computerized prosthetic: $50,000-$100,000 every 3-5 years
Lifetime costs: $500,000-$2,000,000

“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

What It Is:
A herniated disc occurs when the soft center of a spinal disc pushes through a crack in the tougher exterior casing. This can irritate nearby nerves and result in pain, numbness, or weakness.

Treatment Timeline:

Acute Phase (Weeks 1-6): Severe pain, medications, rest
Conservative Treatment (Weeks 6-12): Physical therapy, chiropractic care
Interventional (If Conservative Fails): Epidural steroid injections
Surgery (If Injections Fail): Microdiscectomy or spinal fusion

Costs:

Conservative treatment: $22,000-$46,000
Surgery: $96,000-$205,000 (including future medical costs)

Permanent Restrictions:

May prevent return to physical labor jobs
Can result in lost earning capacity claims
Often requires ongoing pain management

Soft Tissue Injuries (Whiplash)

What It Is:
Soft tissue injuries involve damage to muscles, ligaments, and tendons. Whiplash is a common soft tissue injury in car accidents, occurring when the head is suddenly jerked backward and then forward.

Why Insurance Undervalues Soft Tissue Injuries:

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

Psychological Injuries

PTSD After Motor Vehicle Accidents:

32-45% of accident victims develop PTSD symptoms
Anxiety about driving again
Fear of getting in cars
Panic attacks near accident location
Sleep disturbances, nightmares, flashbacks
Avoidance behaviors

Compensable Psychological Damages:

Mental anguish
Emotional distress
Anxiety and depression
Loss of enjoyment of life
Fear and worry
Relationship impacts

Why Choose Attorney911 for Your Saginaw Accident Case

When you’re injured in a car accident in Saginaw, you have choices for legal representation. Here’s why Attorney911 stands out:

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.”

This is Attorney911’s most powerful advantage. Lupe spent years working FOR insurance companies, learning:

How they value claims internally
What tactics they use to minimize payouts
How they calculate settlement offers
Which doctors they send claimants to (IME doctors)
How they use surveillance and social media
Their delay and deny strategies

Now, he uses that knowledge to fight FOR accident victims. He knows their playbook because he wrote it.

2. Multi-Million Dollar Results

Our results speak for themselves. We’ve recovered millions for accident victims, including:

Multi-million dollar settlement for a client who suffered a brain injury with vision loss
Significant recovery for a client whose leg injury led to partial amputation
Millions for families in trucking-related wrongful death cases
Substantial settlements in maritime injury cases

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

3. Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas. This federal court admission is crucial for:

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