Motor Vehicle Accident Lawyers in Live Oak, Texas | Attorney911

If you’ve been injured in a car accident in Live Oak, Texas, you’re not alone. With one crash occurring every 57 seconds in Texas and over 250,000 people injured annually, motor vehicle accidents are a constant threat on our roads. At Attorney911, we understand the physical, emotional, and financial toll an accident can take. Our team, led by Ralph Manginello with over 25 years of experience, is here to fight for you. We know Live Oak’s roads, courts, and insurance adjusters – and we know how to maximize your compensation.

Why Live Oak Accidents Require Local Expertise

Live Oak sits at the crossroads of major transportation routes in Bexar County, with I-35 running through the area and Loop 1604 nearby. This location brings heavy traffic from commuters, commercial vehicles, and travelers passing through. Some of the most dangerous areas for accidents in our community include:

The I-35 corridor through Live Oak, especially near the Loop 1604 interchange
Judson Road and its intersections with major thoroughfares
Shopping centers and retail areas along Pat Booker Road
Residential neighborhoods where distracted driving is common
School zones during morning and afternoon hours

These high-traffic areas create unique accident patterns that require local knowledge. Our firm has handled countless cases in Live Oak and throughout Bexar County, giving us the experience to navigate your claim effectively.

The Reality of Car Accidents in Texas

Texas sees more motor vehicle accidents than most states, with:

1 crash every 57 seconds
1 person injured every 2 minutes and 5 seconds
Over 250,000 people injured annually
More than 4,000 fatalities each year

In Bexar County alone, thousands of accidents occur annually, many resulting in serious injuries. These aren’t just statistics – they represent real people whose lives are changed in an instant. If you’re one of them, you need an attorney who understands the local landscape and can fight for the compensation you deserve.

Common Types of Motor Vehicle Accidents in Live Oak

Car Accidents (Tier 1 – Most Common)

Car accidents are the most frequent type of motor vehicle collision we see in Live Oak. These can range from minor fender-benders to catastrophic crashes resulting in life-altering injuries.

Common causes in Live Oak:

Distracted driving (texting, phone use)
Speeding on I-35 or Loop 1604
Failure to yield at intersections
Running red lights on Pat Booker Road
Following too closely on Judson Road
Drunk driving, especially on weekends
Weather-related accidents during rain

Common injuries:

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

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.”

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 Live Oak car accident:

Call 911 and report the accident
Seek medical attention immediately
Document everything with photos
Exchange information with other driver
Get witness contact information
Call Attorney911 at 1-888-ATTY-911 before speaking to any insurance company

18-Wheeler and Trucking Accidents (Tier 1 – Most Dangerous)

Live Oak’s location along I-35 makes it a hotspot for trucking accidents. With commercial vehicles weighing up to 80,000 pounds, these accidents often result in catastrophic injuries or fatalities.

Texas trucking statistics:

39,393 commercial motor vehicle crashes in Texas (2024)
608 trucking fatalities
1,601 serious injuries
Texas accounts for 11% of ALL fatal truck crashes nationwide
549 fatal truck accidents resulting in 620 deaths

Why trucking accidents are more complex:

Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
Higher insurance limits ($750,000 to $5,000,000+ policies)
Federal regulations (FMCSA) apply
Electronic Logging Device (ELD) data critical
Black box data from the truck
More severe injuries due to size disparity

FMCSA Regulations That Often Get Violated:

Hours of Service (HOS) rules limiting driving time
Mandatory 30-minute breaks after 8 hours of driving
Electronic Logging Device (ELD) requirements
Drug and alcohol testing
Vehicle maintenance standards

Attorney911 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.”

Why choose Attorney911 for trucking cases:

Ralph Manginello is admitted to federal court (Southern District of Texas)
We’ve been involved in BP explosion litigation against billion-dollar corporations
We understand FMCSA regulations inside and out
We know how to preserve and analyze ELD and black box data
We have experience with nuclear verdicts in trucking cases

Evidence preservation is critical:

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

Drunk Driving Accidents (Tier 1 – Completely Preventable)

Drunk driving accidents are particularly tragic because they’re 100% preventable. In Texas:

1,053 alcohol-impaired driving deaths (25.37% of all fatalities)
Over 24,000 DWI-related crashes annually
1 death every 39 minutes nationally from alcohol-impaired driving
BAC of 0.08% or higher is legally intoxicated in Texas

Dram Shop Liability in Texas:
Texas has strong dram shop laws that allow victims to sue establishments that over-serve alcohol to obviously intoxicated patrons. Under Texas Alcoholic Beverage Code § 2.02, bars, restaurants, and even liquor stores can be held liable if:

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

Signs of obvious intoxication include:

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

Potentially liable parties:

Bars and nightclubs
Restaurants serving alcohol
Liquor stores
Event venues (concerts, festivals)
Social hosts (in limited circumstances)

Why drunk driving cases often result in higher settlements:

Punitive damages are available for gross negligence
Multiple defendants (driver + establishment)
Criminal case can strengthen civil case
Insurance companies have less room to defend

Attorney911’s criminal defense advantage:
Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving us unique insight into both the criminal and civil aspects of drunk driving cases. We’ve successfully handled DWI cases that demonstrate 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.”

“Our client drove home at 2:30 a.m., hit a curb and rolled his car, injuring a passenger. We learned that 1) police conducted no breath or blood test, 2) EMS didn’t note intoxication, 3) nurse notes from hospital were missing. Case dismissed on day of trial.”

“Our client was charged with DUI/DWI, state’s primary evidence was video field sobriety test. We succeeded in having case dismissed because our client did not appear drunk in the video.”

What to do after a drunk driving accident in Live Oak:

Call 911 immediately
Get medical attention for your injuries
Document the scene thoroughly
Identify any witnesses
Note if the other driver shows signs of intoxication
Call Attorney911 at 1-888-ATTY-911 before speaking to any insurance company

Motorcycle Accidents (Tier 2 – High Risk)

Motorcycle accidents often result in severe injuries due to the lack of protection for riders. In Texas:

585 motorcyclist fatalities in 2024
37% of those killed were not wearing helmets
90%+ of fatal victims are male
Helmets reduce the risk of death by 37%

Texas helmet law:

Required for all riders under 21
Riders 21+ may ride without a helmet if they’ve completed a safety course OR have $10,000+ in medical insurance

High-risk areas for motorcycle accidents in Bexar County:

I-35 corridor through Live Oak
Loop 1604 interchange areas
Rural roads where speed limits are higher
Intersections where drivers fail to yield

Common causes of motorcycle accidents:

Failure to yield right of way (most common)
Driver inattention/distraction
Unsafe lane changes
Left-turn accidents (T-bone/head-on)
Speeding/reckless driving

Why insurance companies try to blame motorcyclists:
Texas uses the 51% bar rule for comparative negligence. This means:

If you’re 50% or less at fault, you can recover damages (reduced by your percentage of fault)
If you’re 51% or more at fault, you recover nothing

Insurance companies routinely try to assign maximum fault to motorcyclists to reduce their payouts. Having an attorney who understands their tactics is crucial.

Attorney911’s advantage:
Lupe Peña, our associate attorney, spent years working for insurance companies. He knows exactly how they try to blame motorcyclists and how to counter those arguments.

Pedestrian Accidents (Tier 2 – Most Vulnerable)

Pedestrians are the most vulnerable road users, with no protection against vehicles. In Texas:

6,095 pedestrian crashes in 2024
768 pedestrian fatalities
Pedestrians account for 1% of crashes but 19% of ALL roadway deaths
Houston saw a record 119 pedestrians killed on city streets

Critical legal point for pedestrians:
Pedestrians ALWAYS have the right-of-way at intersections, even at unmarked crosswalks. Many drivers don’t know this. Under Texas law, “Anytime there’s an intersection of two streets, the distance between them is a crosswalk” – even if unmarked.

Common pedestrian injury locations in Live Oak:

Shopping centers and retail areas
School zones and crosswalks
Busy intersections with heavy traffic
Residential neighborhoods with poor lighting
Areas with inadequate pedestrian infrastructure

Common injuries in pedestrian accidents:

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

Why pedestrian cases are complex:

Insurance companies often blame the pedestrian
Comparative negligence issues arise
Multiple liable parties may be involved
Severe injuries often result in high medical bills

What to do after a pedestrian accident in Live Oak:

Call 911 immediately
Get medical attention even if you feel fine
Document the scene with photos
Get witness contact information
Note the driver’s information
Call Attorney911 at 1-888-ATTY-911 before speaking to insurance

Rideshare Accidents (Uber/Lyft) (Tier 2 – Complex Insurance)

Rideshare accidents involve complex insurance issues that most attorneys don’t fully understand. With:

11 billion rideshare trips in the US since 2010
17.4 million Uber trips daily
118 million Uber users worldwide

CRITICAL: Rideshare Insurance Phases

Phase	Driver Status	Coverage Available
Period 0 – Offline	App off, personal use	Personal insurance only (TX minimum: $30K/$60K/$25K)
Period 1 – Waiting	App on, no ride request	Contingent coverage: $50K/$100K/$25K
Period 2 – Accepted	Ride accepted, en route to pickup	Full commercial: $1,000,000 liability
Period 3 – Transporting	Passenger in vehicle	Full commercial: $1,000,000 liability

Why this matters:
Insurance coverage varies DRAMATICALLY based on what the driver was doing at the moment of the crash. This is critical for your recovery.

Who can be injured in rideshare accidents:

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

Attorney911’s advantage:
Lupe Peña’s insurance defense background gives us unique insight into how rideshare companies and their insurers evaluate claims. We know how to determine which insurance policy applies and how to maximize your recovery.

Hit and Run Accidents (Tier 2 – Evidence Disappears Fast)

Hit and run accidents are particularly frustrating because the at-fault driver flees the scene. In the US:

Someone is involved in a hit-and-run every 43 seconds
These accidents often leave victims with serious injuries and no obvious way to recover compensation

Texas hit and run penalties:

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

How to recover compensation after a hit and run:
Your own Uninsured Motorist (UM) coverage can compensate you when the at-fault driver is unidentified. UM/UIM coverage is critical protection.

Evidence preservation is URGENT:

Surveillance footage is typically deleted within 7-30 days
Witnesses disperse quickly
The longer you wait, the harder it is to identify the at-fault driver

What Attorney911 does immediately:

Send preservation letters to businesses near the accident scene
Obtain traffic camera footage
Interview witnesses before memories fade
Work with law enforcement to identify the fleeing driver

Client Testimonial:

“They took over my case from another lawyer and got to working on my case.” – CON3531

Tesla/Autopilot and Advanced Vehicle Accidents (Tier 2 – Emerging Issue)

As advanced driver assistance systems become more common, accidents involving these technologies are increasing. Notable Tesla/Autopilot crashes include:

May 2016: First US Autopilot fatality – Tesla failed to detect white 18-wheeler
March 2018: Apple engineer killed – settled April 2024
August 2025: $240M+ jury verdict against Tesla (landmark case)

Key liability arguments in Tesla/Autopilot cases:

Tesla marketed FSD/Autopilot as safer than human drivers
Marketing fostered driver overconfidence
Tesla knew the system couldn’t detect emergency vehicles
Tesla used OTA software updates instead of comprehensive fixes

NHTSA data on Tesla:

Tesla Autopilot accounts for 70% of driver-assist crashes reported to NHTSA
December 2023: Tesla recalled 2+ million vehicles

Common crash patterns with Autopilot:

Tractor-trailer crossings
Emergency vehicles with lights flashing
Gore points and barriers
Situations where drivers had hands off the wheel

Why these cases require specialized expertise:

Complex product liability issues
Technical evidence (vehicle data, software analysis)
Federal court experience often required
Experience taking on large corporations

Attorney911’s capability:
Ralph Manginello’s federal court admission and experience with complex litigation (including BP explosion cases) makes us uniquely qualified to handle these emerging technology cases.

Other Motor Vehicle Accident Types

Bicycle Accidents:

78 cyclist fatalities in Texas (2024)
Texas saw a 26.42% decrease from 2023
Common causes: failure to yield, dooring, unsafe lane changes
Comparative negligence issues often arise

Bus Accidents:

1,110 bus accidents in Texas (2024) – Texas leads all states
17 fatal crashes, 549 injury crashes
School bus crashes: 2,523 in 2023, 11 deaths, 63 serious injuries
Liable parties: driver, bus company, manufacturer, government entities

Work Zone Accidents:

Nearly 28,000 crashes in Texas work zones (2024)
215 deaths – 12% increase over previous year
60% of highway contractors reported crashes into work zones
43% reported worker injuries from work zone crashes

Wrongful Death:

4,150 fatalities in Texas (2024)
Two types of claims: wrongful death (brought by family) and survival action (brought by estate)
Damages include: lost financial support, loss of companionship, funeral expenses, pain before death

Delivery Vehicle Accidents (Amazon, FedEx, UPS):

Amazon DSPs contractually required to “defend and indemnify” Amazon
Higher safety violation rates than average motor carriers
1,879 crashes involving Amazon-related motor carriers (24 months ending Aug 2025)
Trucks 3x size/weight of passenger cars = more severe injuries

What to Do Immediately After an Accident in Live Oak

48-Hour Immediate Action Protocol

Hour 1-6 (Immediate Crisis):
✅ Safety First: If you can move safely, get to a secure location away from traffic
✅ Call 911: Report the accident, request medical assistance if anyone is injured
✅ Medical Attention: If injured, get to the ER immediately. Adrenaline masks injuries – you may be hurt and not know it yet
✅ Document Everything:

Take photos of ALL vehicle damage (every angle)
Photograph the accident scene, road conditions, 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
Ask if they saw what happened
Record their statements if possible
✅ 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, 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, 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/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/family not to tag you in posts

Hour 24-48 (Strategic Decisions):
✅ Legal Consultation:

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

Evidence Deterioration Timeline

This creates legitimate urgency – evidence DOES disappear on a predictable schedule

Timeframe	What Disappears	Why It Matters
Day 1-7	Witness memories peak then begin fading	Details forgotten, memories become uncertain
Day 7-30	Surveillance footage deleted	Gas stations: 7-14 days, retail stores: 30 days
Month 1-2	Insurance companies solidify defense position	Adjusters build file against you, settlement position hardens
Month 2-6	Trucking electronic data deleted	ELD/black box data can be overwritten in 30-180 days
Month 6-12	Witnesses become unreachable	Graduate, move away, memory severely degraded
Month 12-24	Approaching statute of limitations	Creates pressure to settle, evidence severely degraded

Why Attorney911 moves fast:
Within 24 hours of retention, we send preservation letters to ALL parties:

Other driver and their insurance company
Trucking companies (for commercial vehicle accidents)
Businesses near the accident scene
Employers (if work-related)
Property owners
Government entities
Vehicle manufacturers

These letters LEGALLY REQUIRE evidence preservation before automatic deletion.

Texas Motor Vehicle Law Framework

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
Minors	Tolled until 18	Then 2 years

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 Civil Practice & Remedies Code § 33.001

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. Even small fault percentages cost you 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

Lupe’s insurance defense experience helps counter these arguments because he made them for years – now he defeats them.

Texas Minimum Auto Insurance (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 US motorists are uninsured (approximately 1 in 7 drivers)
UM/UIM coverage is critical for protection
Texas allows inter-policy stacking

Proving Liability and Building Your Case

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

Duty of Care
- All drivers have a legal duty to operate their vehicles safely
- Must obey traffic laws, maintain proper lookout, control speed
- Commercial drivers have heightened duty (FMCSA regulations)
Breach of Duty
- The at-fault driver violated their duty of care
- Examples: speeding, running red light, texting, DUI, failing to yield
Causation
- The breach of duty DIRECTLY caused your injuries
- “But for” test: But for the defendant’s actions, you would not have been injured
- Injuries must be foreseeable result of negligent conduct
Damages
- You suffered actual harm (physical, financial, emotional)
- Must be quantifiable or demonstrable
- Medical bills, lost wages, pain and suffering

Evidence Types and Sources

Physical Evidence:

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

Trucking Accidents Can Involve:

Truck driver (negligent operation)
Trucking company (negligent hiring, supervision, maintenance)
Cargo loader (improper loading causing instability)
Vehicle manufacturer (defective parts)
Maintenance company (improper repairs)

Rideshare Accidents Can Involve:

Rideshare driver
Rideshare company (Uber/Lyft)
Other at-fault drivers
Vehicle owner (if different from driver)

Drunk Driving Accidents Can Involve:

Drunk driver
Bar/restaurant (dram shop liability)
Social host (limited circumstances)
Liquor store (serving obviously intoxicated person)

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

Damages and Compensation

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 consortium
Loss of enjoyment of life

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

Broken Bone (Requiring Surgery – ORIF):

Medical Treatment: $47,000-$98,000
Lost Wages: $10,000-$30,000
Pain & Suffering: $75,000-$200,000
Settlement Range: $132,000-$328,000

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: $2,500,000-$13,000,000+
Settlement Range: $4,770,000-$25,880,000

Amputation:

Medical Treatment: $170,000-$480,000
Future Medical: $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):

Economic Damages: $1,000,000-$4,000,000
Non-Economic Damages: $850,000-$5,000,000
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”

Nuclear Verdicts Trend (2024-2025)

Definition: Jury awards exceeding $10 million

Texas Nuclear Verdict Statistics:

207 nuclear verdicts ($10M+) from 2009-2023
Total: $45+ billion in Texas alone
Texas #1 nationally for nuclear verdicts
Auto accidents = 23.2% of all nuclear verdicts

Recent Texas Motor Vehicle Nuclear Verdicts:

Year	Case	Amount
2024	Hatch v. Jones (car accident wrongful death)	$81,720,000
2024	Frito-Lay Warehouse (vehicle collision)	$72,000,000
2024	Lopez v. All Points 360 (Amazon)	$105,000,000
2024	New Prime I-35 pileup (6 deaths)	$44,100,000
2024	Oncor Electric (trucking)	$37,500,000
2024	Ben E. Keith (Fort Worth trucking)	$35,000,000

Why this matters:
Insurance companies FEAR nuclear verdicts. This fear increases settlement values across ALL serious injury cases, not just those going to trial. Attorney911’s trial readiness and multi-million dollar track record gives us leverage in every negotiation.

Insurance Company Tactics Exposed

Insurance companies are not your friend. Their goal is to pay you as little as possible, and they have sophisticated tactics to achieve this. Lupe Peña, our associate attorney, spent years working for insurance companies. He knows their playbook inside and out – because he wrote parts of it.

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
On pain medication (confused, groggy)
Scared about injuries and financial future
Don’t understand the legal process
Vulnerable and in crisis

They act friendly and helpful:

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

What they’re really doing:
Building their defense against you with leading questions:

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 not 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”

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

The truth:

You are NOT required to give a recorded statement to the other driver’s insurance
Giving a statement without an attorney ALMOST ALWAYS hurts your case
Insurance companies know this – that’s why they push so hard

How Attorney911 counters:
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 absolutely necessary
We sit with you during any statements

We know their questions because Lupe asked them for years.

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

What they do:
Within days or weeks of your accident, the insurance company offers 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

They create artificial urgency:

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

The trap:
You don’t know the extent of your injuries yet.

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 the release, can’t reopen claim
You pay $100,000 out of pocket	Insurance pays nothing more

The release is PERMANENT AND FINAL.

How Attorney911 counters:
NEVER settle before reaching Maximum Medical Improvement (MMI)

MMI = as good as you’ll get medically
Could be 6 months, 12 months, 24+ months depending on injuries
Can’t know true case value until MMI
We know offers are ALWAYS lowball
Lupe calculated these lowball offers for years – he KNOWS they’re offering 10-20% of true value

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 to minimize your injuries

How insurance companies choose IME doctors:

Based on who gives insurance-favorable reports (NOT who’s most qualified)
Doctors who consistently 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”:

Cursory physical exam (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 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 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

“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

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

What they do:
Drag your case out hoping you 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 lawsuits 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 – knows when to push

Tactic #5: Surveillance and Social Media Monitoring

What they do:
They hire private investigators to:

Video you doing daily activities
Film from public places (your driveway, street, stores)
Follow you to appointments, errands, social activities
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, emotions, or your case
DON’T check in anywhere
Tell friends/family: don’t tag you, 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

Tactic #6: Comparative Fault Arguments

What they do:
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 knows their fault arguments because he made them for years – now he defeats them.

Colossus Software System

How insurance companies ACTUALLY value your claim:

Lupe knows this from the inside – he used these systems

How Colossus works:

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 they manipulate 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 Encyclopedia

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. Attorney911 uses medical experts to explain that symptom progression is NORMAL for brain injuries.

Severity Classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief LOC (seconds to minutes), 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 Attorney911’s 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 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

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 Live Oak Accident Case

When you’re injured in a motor vehicle accident in Live Oak, you need more than just an attorney – you need a legal team with the experience, resources, and insider knowledge to fight the insurance companies. Here’s what sets Attorney911 apart:

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
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 Live Oak 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.

Client Testimonial:

“They fought for me to get every dime I deserved.” – Glenda Walker

3. Federal Court Experience

Ralph Manginello is admitted to 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”

Client Testimonial:

“Mr. Manginello guided me through the whole process with great expertise…tenacious, accessible, and determined throughout the 19 months.” – Jamin Marroquin

4. Personal Attention You Can Trust

What clients say about our communication:

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

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

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

Client Testimonial:

“One company said they would not accept my case. Then I got a call from Manginello…I got a call to come pick up this handsome check.” – Donald Wilcox

6. Bilingual Services for Our Community

Live Oak has a diverse community, and we’re proud to serve Spanish-speaking clients:

“Especially Miss Zulema, who is always very kind and always translates.” – Celia Dominguez

Lupe Peña is fluent in Spanish
Our staff includes bilingual team members
All consultations available in Spanish
No language barrier

Client Testimonial:

“They solved in a couple of months what others did nothing about in two years.” – Angel Walle

7. Proven Track Record Since 1998

25+ years serving Texas accident victims
Thousands of cases handled
Hundreds of millions recovered
251+ five-star Google reviews
4.9-star rating

Client Testimonial:

“Best lawyers in the city…fast return…and they really care about their clients.” – Dean Jones

8. We Take Cases Others Won’t

“In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” – Greg Garcia

We handle:

Complex liability cases
Catastrophic injuries
Trucking accidents
Wrongful death
Cases with disputed liability
Cases other attorneys won’t touch

9. Active in High-Profile Litigation

$10 Million Hazing Lawsuit (2025):
We’re currently litigating a $10,000,000 lawsuit against the University of Houston and Pi Kappa Phi fraternity. This demonstrates our willingness to take on major institutions.

10. Recognized by the Community

“One of Houston’s Great Men Trae Tha Truth has recommended this law firm. So if he is vouching for them then I know they do good work.” – Jacqueline Johnson

Trae Tha Truth endorsement
Featured in local media
Active in community organizations
Trusted by thousands of Texas families

Frequently Asked Questions About Live Oak Motor Vehicle Accidents

Immediate After Accident

1. What should I do immediately after a car accident in Live Oak, Texas?
If you’ve been in an accident in Live Oak:

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 other driver
Get witness names and phone numbers
Do NOT give recorded statement to any insurance company
Call Attorney911: 1-888-ATTY-911

2. Should I call the police even for a minor accident?
Yes. Always call 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 Live Oak?
You can obtain the police report from the responding agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

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

8. What if the other driver’s insurance contacts me?
Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give a recorded statement. Do NOT discuss injuries or fault.

9. Do I have to accept the insurance company’s estimate?
No. Their estimate is just an offer. It’s usually far below actual value. Attorney911 fights for what your case is really worth.

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

11. What if the other driver is uninsured/underinsured?
Your own UM/UIM coverage can compensate you. Watch our video: “Uninsured & Underinsured Motorists” at https://www.youtube.com/watch?v=kWcNFyb-Yq8

12. Why does insurance want me to sign a medical authorization?
They want unlimited access to your ENTIRE medical history to find pre-existing conditions to use against you. Never sign without attorney review.

Legal Process

13. Do I have a personal injury case?
You may have a case if:

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

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

14. When should I hire a car accident lawyer?
Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. Call Attorney911: 1-888-ATTY-911

15. How much time do I have to file (statute of limitations)?
In Texas: 2 years from the date of the accident for personal injury, 2 years from the date of death for wrongful death. Miss it = case barred forever.

16. What is comparative negligence and how does it affect me?
Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your fault %). If 51%+ at fault, you get nothing.

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

17. What happens if I was partially at fault?
You can still recover if you were 50% or less at fault. Your recovery is reduced by your percentage of fault.

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

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

19. How long will my case take to settle?
Depends on injury severity. We don’t settle until you’ve reached maximum medical improvement (MMI). Could be 6 months for minor injuries, 18-24 months for serious injuries.

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

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

Compensation

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

22. What types of damages can I recover?

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

23. Can I get compensation for pain and suffering?
Yes. Pain and suffering is a significant component of personal injury cases in Texas. There is NO CAP on pain and suffering (except medical malpractice).

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

25. Will I have to pay taxes on my settlement?
Generally, compensation for physical injuries is NOT taxable. Punitive damages ARE taxable. Consult a tax professional.

26. How is the value of my claim determined?
Based on: medical bills, future treatment costs, lost income, permanent impairment rating, comparable verdicts, severity of injuries, impact on daily life.

Attorney Relationship

27. How much do car accident lawyers cost?
Attorney911 works on contingency: 33.33% before trial, 40% if trial. You pay nothing upfront. We don’t get paid unless we win.

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

28. What does “no fee unless we win” mean?
You pay zero unless we recover money for you. If we don’t win, you owe us nothing. We advance all case costs.

29. How often will I get updates?
Attorney911 provides regular updates. As client Dame Haskett said: “Consistent communication and not one time did I call and not get a clear answer.”

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

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

Special Situations

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 you as they find you. 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 and suffering. Lupe calculated these for years—he knows how to justify higher multipliers.

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. 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.

Live Oak Motor Vehicle Accident Resources

Local Hospitals and Trauma Centers

If you’re injured in a Live Oak accident, seek medical attention at:

Methodist Hospital Northeast – 10150 I-35 Frontage Rd, Live Oak, TX 78233
University Hospital – 4502 Medical Dr, San Antonio, TX 78229 (Level I Trauma Center)
Brooke Army Medical Center – 3551 Roger Brooke Dr, Fort Sam Houston, TX 78234 (Level I Trauma Center)
Baptist Medical Center – 111 Dallas St, San Antonio, TX 78205

Local Courts Serving Live Oak

Bexar County Civil Courts at Law – Handle personal injury cases under $250,000
Bexar County District Courts – Handle cases over $250,000
Justice of the Peace Courts – Handle small claims and property damage cases

Live Oak Police Department

Live Oak Police Department – 8022 Shin Oak Park, Live Oak, TX 78233
Phone: (210) 653-9140
Always file a police report after an accident

Dangerous Roads in Live Oak

Some of the most dangerous roads and intersections in Live Oak include:

I-35 corridor through Live Oak, especially near Loop 1604
Judson Road and its intersections
Pat Booker Road near shopping centers
Loop 1604 interchange areas
Residential areas with poor lighting

Why Live Oak Residents Choose Attorney911

Live Oak is a growing community with unique challenges. Our location along I-35 brings heavy traffic from commuters, commercial vehicles, and travelers passing through. This creates a higher risk of accidents, especially:

Trucking accidents on I-35
Commuter accidents during rush hour
Distracted driving accidents in retail areas
Drunk driving accidents on weekends
Pedestrian accidents near schools and shopping centers

At Attorney911, we understand Live Oak’s unique accident patterns. We know the local courts, judges, and insurance adjusters. We know which areas are most dangerous and why. And most importantly, we know how to fight for maximum compensation for Live Oak residents.

Client Testimonial:

“Leonor got me into the doctor the same day…it only took 6 months amazing.” – Chavodrian Miles

Contact Attorney911 Today

If you’ve been injured in a motor vehicle accident in Live Oak, Texas, don’t wait. Evidence disappears daily. The insurance company is already building their case against you. You need an attorney who knows their tactics and how to beat them.

Call Attorney911 now for a free consultation:
📞 1-888-ATTY-911 (1-888-288-9911)

We don’t get paid unless we win your case. You have nothing to lose and everything to gain.

Se habla español. Lupe Peña and our team are ready to help Spanish-speaking clients.

Client Testimonial:

“They make you feel like family and even though the process may take some time, they make it feel like a breeze. They fought for me to get every dime I deserved.” – Glenda Walker

Don’t let the insurance company take advantage of you. Call Attorney911 – the legal emergency line that answers when you need us most.