Motor Vehicle Accident Lawyers in McKinney, Texas | Attorney911

If you’ve been injured in a car accident in McKinney, Texas, you’re not alone. Every 57 seconds, another motor vehicle crash occurs somewhere in Texas, and McKinney’s busy roads see more than their share of collisions. At Attorney911, we understand the physical pain, emotional stress, and financial uncertainty you’re facing. With Ralph Manginello’s 25+ years of experience fighting for accident victims across Texas, we’re here to guide you through this difficult time and fight for the compensation you deserve.

McKinney’s unique traffic patterns—from the bustling US-75 corridor to the historic downtown streets—create specific accident risks that require local expertise. Whether you were rear-ended on Eldorado Parkway, sideswiped on Central Expressway, or injured in a collision near the McKinney National Airport, our team knows how to build a strong case for maximum compensation.

Why McKinney Accidents Require Local Legal Expertise

McKinney’s rapid growth has transformed it from a small town to one of Texas’s largest cities, bringing increased traffic congestion and accident risks. The intersection of Highway 380 and Custer Road has been identified as one of the most dangerous in Collin County, while the expanding US-75 corridor sees frequent multi-vehicle collisions. Local judges in the 401st District Court and other Collin County courts have specific expectations for personal injury cases, and insurance adjusters handling McKinney claims follow particular settlement patterns.

At Attorney911, we know McKinney’s legal landscape inside and out. We understand the local courts, the judges who preside over personal injury cases, and the insurance companies that handle claims in this area. Our familiarity with McKinney’s medical facilities—from Baylor Scott & White Medical Center to Medical City McKinney—helps us coordinate your treatment and build a strong medical case. When you call 1-888-ATTY-911, you’re reaching attorneys who know McKinney as well as they know Texas law.

Comprehensive Accident Coverage for McKinney Residents

Car Accidents in McKinney (Tier 1 – Most Common)

With 251,977 people injured in Texas motor vehicle crashes last year alone, car accidents remain the most common type of collision in McKinney. The city’s mix of historic streets, modern highways, and rapid development creates unique accident patterns. Whether you were injured on US-75 near the Stonebridge Ranch exit, at the intersection of Virginia Parkway and Custer Road, or in a rear-end collision on Eldorado Parkway, our team has the experience to handle your case.

Common injuries in McKinney car accidents include:

Whiplash and soft tissue injuries
Herniated discs (common in rear-end collisions)
Broken bones and fractures
Traumatic brain injuries (TBI)
Spinal cord injuries
Internal organ damage

Why Attorney911 for your McKinney car accident case:

We’ve recovered millions for car accident victims
Our team includes a former insurance defense attorney who knows their tactics
We handle all communication with insurance companies
No fee unless we win your case

“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.” – Attorney911 Case Result

Client Testimonial:
“Leonor got me into the doctor the same day after my accident on US-75. The insurance company tried to lowball me, but Attorney911 fought for every penny. It only took 6 months and I got an amazing settlement.” – Chavodrian M., McKinney

If you’ve been injured in a McKinney car accident, don’t let insurance companies take advantage of you. Call Attorney911 today at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

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

McKinney’s location along major trucking corridors makes it a hotspot for commercial vehicle accidents. With US-75 serving as a primary freight route and Highway 380 connecting to major distribution centers, McKinney sees more than its share of trucking accidents. The 39,393 commercial motor vehicle crashes in Texas last year resulted in 608 fatalities and 1,601 serious injuries, with Texas accounting for 11% of all fatal truck crashes nationwide.

The sheer size and weight of 18-wheelers—up to 80,000 pounds compared to the average 4,000-pound passenger car—mean trucking accidents often result in catastrophic injuries. If you’ve been injured in a trucking accident on US-75 near the Craig Ranch area, on Highway 380 near the new developments, or at the intersection of SH 121 and Custer Road, our team has the expertise to handle your complex case.

Federal Motor Carrier Safety Administration (FMCSA) regulations we investigate:

Hours of Service violations (drivers limited to 11 hours driving after 10 consecutive hours off-duty)
Electronic Logging Device (ELD) data (critical evidence that can be overwritten in 30-180 days)
Driver qualification requirements (proper CDL, medical certification, background checks)
Drug and alcohol testing compliance
Vehicle maintenance records

Why trucking accidents often result in higher settlements:

Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
Higher insurance limits ($750,000 to $5,000,000+ policies)
Federal court experience often required
Electronic data (ELD, black box) is critical evidence

“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.” – Attorney911 Case Result

Recent Texas trucking verdicts showing what’s possible:

2024 Oncor Electric: $37.5 million verdict (distracted truck driver)
2024 New Prime I-35 pileup: $44.1 million verdict (6 deaths)
2024 Ben E. Keith (Fort Worth): $35 million settlement (largest in Fort Worth history)

Why Attorney911 for your McKinney trucking accident:

Ralph Manginello is admitted to federal court (Southern District of Texas)
Our firm was involved in BP explosion litigation against billion-dollar corporations
We understand FMCSA regulations inside and out
We know how to preserve critical electronic evidence before it’s deleted
No fee unless we win your case

If you or a loved one has been injured in a trucking accident in McKinney, time is critical. ELD data can be overwritten in as little as 30 days. Call Attorney911 immediately at 1-888-ATTY-911 for a free consultation.

Drunk Driving Accidents (Tier 1 – Preventable Tragedies)

With 1,053 alcohol-impaired driving deaths in Texas last year (25.37% of all fatalities), drunk driving remains a preventable tragedy on McKinney roads. Collin County has seen its share of DUI-related crashes, particularly on weekend nights along Highway 380, US-75, and in the downtown entertainment district. If you’ve been injured by a drunk driver in McKinney, you have more legal options than you might realize.

Texas has strong dram shop laws that allow victims to sue establishments that over-serve obviously intoxicated patrons. This means bars, restaurants, and even social hosts can be held liable when their negligence contributes to drunk driving accidents.

Texas Alcoholic Beverage Code § 2.02 – Dram Shop Liability:
To prove a dram shop claim, we must show:

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

Signs of obvious intoxication that create liability:

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

Potentially liable parties in McKinney drunk driving cases:

Bars and nightclubs in the downtown entertainment district
Restaurants serving alcohol
Liquor stores
Event organizers (concerts, festivals)
Social hosts (in limited circumstances)

Why drunk driving cases often result in higher compensation:

Punitive damages available for gross negligence
Multiple defendants (driver + bar/restaurant)
Criminal case strengthens civil case
Insurance cannot defend the indefensible

Attorney911’s unique advantage in drunk driving cases:

Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA)
We’ve successfully handled multiple DWI cases, including:
- A case dismissed due to improperly maintained breathalyzer machines
- A case dismissed when police failed to conduct breath or blood tests
- A case dismissed because video evidence showed the client was not drunk

If you or a loved one has been injured by a drunk driver in McKinney, you may have a claim against both the driver and the establishment that over-served them. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

Motorcycle Accidents in McKinney (Tier 2)

With 585 motorcyclist fatalities in Texas last year, motorcycle accidents remain disproportionately dangerous. McKinney’s scenic routes along Lake Lavon and the popular biker gatherings at local establishments create both opportunities for enjoyment and increased accident risks. Unfortunately, insurance companies often try to blame motorcyclists for accidents that weren’t their fault.

Texas law requires helmets for riders under 21, but even helmeted riders face significant risks. The most common causes of motorcycle accidents in McKinney include:

Failure to yield right of way (most common cause)
Driver inattention or distraction
Unsafe lane changes
Left-turn accidents (often resulting in T-bone or head-on collisions)
Speeding or reckless driving

Why motorcycle accident cases are challenging:

Insurance companies always try to assign fault to the rider
Texas’s 51% comparative fault rule can bar recovery if rider is found more than 50% at fault
Riders are often stereotyped as reckless
Injuries are typically more severe

Attorney911’s advantage in motorcycle cases:

Our former insurance defense attorney knows exactly how they try to blame riders
We understand the specific tactics adjusters use to minimize motorcycle claims
We have experience countering comparative fault arguments
We work with motorcycle accident reconstruction experts

If you’ve been injured in a motorcycle accident in McKinney, don’t let insurance companies take advantage of you. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

Pedestrian Accidents (Tier 2)

With 6,095 pedestrian crashes in Texas last year resulting in 768 fatalities, pedestrian accidents represent a growing danger in McKinney. The city’s downtown revitalization and walkable areas like Adriatica Village have increased pedestrian traffic, but not all drivers respect pedestrian rights. In fact, pedestrians account for just 1% of crashes but 19% of all roadway deaths—a shocking disparity.

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

Common pedestrian accident locations in McKinney:

Downtown intersections (Louisiana Street, Tennessee Street)
Virginia Parkway crosswalks
Eldorado Parkway near shopping centers
School zones (McKinney ISD campuses)
Parking lots (Stonebridge Shopping Center, Adriatica Village)

Common injuries in pedestrian accidents:

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

If you or a loved one has been struck by a vehicle while walking in McKinney, you have rights. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We’ll fight to prove the driver’s negligence and recover the compensation you deserve.

Rideshare Accidents: Uber and Lyft (Tier 2)

The 11 billion rideshare trips taken in the US since 2010 have transformed transportation in McKinney, but they’ve also created new legal complexities when accidents occur. Whether you were a passenger in an Uber or Lyft vehicle, a driver for one of these services, or a third party injured by a rideshare driver, understanding the insurance coverage maze is critical.

The critical rideshare insurance phases:

Phase	Driver Status	Coverage Available
Period 0 – Offline	App off, personal use	Personal insurance only (Texas 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

Who can be injured in rideshare accidents:

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

Why rideshare accident cases are complex:

Insurance coverage varies dramatically based on what the driver was doing at the time
Multiple insurance policies may apply
Uber and Lyft often try to deny claims
Determining the exact phase requires electronic evidence

Attorney911’s advantage in rideshare cases:

We understand the insurance phase system inside and out
We know how to obtain and interpret electronic evidence
We’ve handled numerous rideshare accident cases in McKinney
Our former insurance defense attorney knows their tactics

If you’ve been injured in a rideshare accident in McKinney, don’t navigate the insurance maze alone. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

Hit and Run Accidents (Tier 2)

Every 43 seconds, someone in the US is involved in a hit-and-run accident. In McKinney, these tragic incidents often occur in parking lots, on residential streets, and along major thoroughfares like US-75 and Highway 380. When the at-fault driver flees the scene, victims face unique challenges in recovering compensation.

Texas hit-and-run penalties (Texas Transportation Code § 550.021):

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

Your recovery options after a McKinney hit-and-run:

Uninsured Motorist (UM) coverage: Your own policy pays when the at-fault driver is unidentified
Underinsured Motorist (UIM) coverage: If the at-fault driver is found but has insufficient coverage
Collision coverage: For vehicle damage
Medical payments coverage: For immediate medical expenses

Why time is critical in hit-and-run cases:

Surveillance footage from nearby businesses is typically deleted within 7-30 days
Witnesses become harder to locate as time passes
Memory fades quickly
Physical evidence at the scene disappears

What Attorney911 does immediately for hit-and-run victims:

Send preservation letters to nearby businesses to save surveillance footage
Obtain traffic camera footage from the city
Interview witnesses before memories fade
Work with law enforcement to identify the at-fault driver
Navigate the UM/UIM claim process with your insurance company

If you’ve been the victim of a hit-and-run accident in McKinney, call Attorney911 immediately at 1-888-ATTY-911. Evidence disappears daily, and we need to act fast to preserve your rights.

Tesla and Autonomous Vehicle Accidents (Tier 3)

As Tesla vehicles become more common on McKinney roads, accidents involving Autopilot and Full Self-Driving (FSD) systems are increasing. The National Highway Traffic Safety Administration (NHTSA) reports that Tesla Autopilot accounts for 70% of all driver-assist crashes reported to them, and recent jury verdicts have sent shockwaves through the industry.

Notable Tesla Autopilot crashes:

May 2016, Williston FL: First US Autopilot fatality when system failed to detect white 18-wheeler
March 2018, Mountain View CA: Apple engineer Walter Huang killed (case settled April 2024)
August 2025, Miami FL: $240 million+ jury verdict against Tesla (landmark case)

Key liability arguments in Tesla accident cases:

Tesla marketed FSD/Autopilot as safer than human drivers (mischaracterization)
Marketing fostered driver overconfidence (overreliance on system)
Tesla knew system couldn’t detect emergency vehicles (known defects)
Tesla used over-the-air software updates instead of comprehensive fixes (inadequate recall)

Common Tesla accident patterns:

Tractor-trailer crossings (system fails to detect large vehicles)
Emergency vehicles with lights flashing
Gore points and highway barriers
Situations where driver hands are off the wheel

Why Tesla accident cases require specialized legal expertise:

Complex product liability issues
Technical evidence (vehicle data, software analysis)
Federal court experience often required
Billion-dollar corporation as defendant

If you’ve been injured in an accident involving a Tesla or other autonomous vehicle in McKinney, you need attorneys with the technical knowledge and resources to take on these complex cases. Call Attorney911 at 1-888-ATTY-911 for a free consultation.

What to Do Immediately After an Accident in McKinney

48-Hour Immediate Action Protocol

Hour 1-6 (Immediate Crisis Response):

✅ Safety First: If you can move safely, get to a secure location away from traffic. McKinney’s busy roads like US-75 and Highway 380 can be dangerous after an accident.

✅ Call 911: Report the accident and request medical assistance if anyone is injured. Even if you feel fine, adrenaline can mask serious injuries.

✅ Medical Attention: If injured, get to the ER immediately. McKinney has excellent medical facilities including:

Baylor Scott & White Medical Center – McKinney
Medical City McKinney
Texas Health Presbyterian Hospital Allen (just south of McKinney)

✅ 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 – Why Time is Critical

Time Frame	What Disappears	Why It Matters
Day 1-7	Witness memories fade	Details become uncertain, witnesses harder to locate
Day 7-30	Surveillance footage deleted	Gas stations: 7-14 days, retail stores: 30 days, traffic cameras: 30 days
Month 1-2	Insurance builds defense	Adjusters solidify their case against you
Month 2-6	Trucking ELD data overwritten	Electronic Logging Device data can be automatically deleted (30-180 days)
Month 6-12	Witnesses move away	Memories degrade, contact information changes
Month 12-24	Statute of limitations deadline	Creates pressure to settle, evidence severely degraded

Within 24 hours of retaining Attorney911, we send preservation letters to:

Other driver’s insurance company
Trucking companies (for commercial vehicle accidents)
Businesses near the scene (to preserve surveillance footage)
Employers (for employment records and work schedules)
Property owners (for security camera footage)
Government entities (for traffic camera footage)
Vehicle manufacturers (for black box/EDR data)

These letters LEGALLY REQUIRE evidence preservation before automatic deletion. Without them, critical evidence can be lost forever.

If you’ve been in an accident in McKinney, call Attorney911 immediately at 1-888-ATTY-911. Evidence disappears daily, and we need to act fast to protect your rights.

Texas Motor Vehicle Law Framework

Statute of Limitations – The Absolute Deadline

Texas Civil Practice & Remedies Code § 16.003

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

Exceptions:

Discovery Rule: Statute may start later if injury wasn’t immediately discoverable
Defendant Absence: Tolled if defendant leaves Texas
Mental Incapacity: Tolled during incapacity

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

Comparative Negligence – Texas’s 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 of how this works:

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 for McKinney accident victims:
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

Attorney911’s advantage: Our former insurance defense attorney knows exactly how they try to assign fault and how to counter their arguments.

Texas Minimum Auto Insurance Requirements

Coverage Type	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)
Texas allows inter-policy stacking for UM/UIM coverage

Dram Shop Liability in Texas

Texas Alcoholic Beverage Code § 2.02

Bars, restaurants, and other establishments can be held liable if they serve alcohol to obviously intoxicated persons who later cause accidents.

Elements to prove:

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

Signs of obvious intoxication that create liability:

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

Punitive Damages in Texas

Texas Civil Practice & Remedies Code § 41.003

Punitive (exemplary) damages are available when there is clear and convincing evidence of:

Fraud
Malice, or
Gross negligence

Gross negligence defined:

The act or omission involved an extreme degree of risk (considering probability and magnitude of potential harm)
The defendant had actual, subjective awareness of the risk AND proceeded with conscious indifference

Punitive damage caps in Texas:
The greater of:

$200,000, OR
2x economic damages PLUS 1x non-economic damages (capped at $750,000 for non-economic portion)

Common situations where punitive damages apply in McKinney accidents:

Drunk driving accidents
Extreme speeding (100+ mph)
Reckless driving with prior convictions
Trucking companies forcing drivers to violate Hours of Service rules

How Insurance Companies Try to Cheat You

The Insurance Company Playbook – Exposed

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

Lupe spent years working FOR insurance companies, learning their tactics from the inside. Now he uses that knowledge FOR victims. He knows exactly what they’re doing because he did it himself.

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

What they do:
Within hours or days of your accident, insurance adjusters will contact you—often while you’re still in the hospital, on pain medication, or overwhelmed by the situation. They’ll act friendly and helpful, saying things like:

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

What they’re really doing:
They’re building their defense against you with carefully crafted 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 aren’t serious
“Were you distracted at all?”	Get you to admit distraction
“How fast were you going?”	Hope you overestimate or say “I don’t know”

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:
Once you hire us, 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, and 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 will offer you quick money:

Typical offers: $2,000-$5,000
Sometimes $10,000-$15,000 if they’re scared
They’ll create artificial urgency: “This offer expires in 48 hours”

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

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

The release is permanent and final.

How Attorney911 counters:
We NEVER settle before you’ve reached Maximum Medical Improvement (MMI). MMI is the point where you’ve recovered as much as you’re going to medically. This could be 6 months, 12 months, or 24+ months depending on your injuries. We know these early offers are ALWAYS lowball offers—Lupe calculated them for years and knows they’re offering 10-20% of true value.

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

What they call it: “Independent Medical Examination”

What it really is: An insurance company-hired doctor whose job is to minimize your injuries

How insurance companies choose IME doctors (Lupe knows this):
They select 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” (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, Former Insurance Defense Attorney

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

What they do:
They drag your case out, hoping you’ll get desperate:

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

Why delay works (on people without attorneys):
Insurance companies have:

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

You have:

Mounting bills
Zero income
Creditors threatening
Need money NOW

Financial desperation makes you accept less:

Month 1: You’d reject $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 lawsuit to force deadlines
We set depositions forcing them to produce witnesses
We prepare for trial showing we’re serious
Lupe understands delay tactics because he used them—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 that contradicts your injury claims

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 against:

Example	What Happened	Insurance Claimed	Reality
Old Gym 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 our clients:

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

Tactic #6: Comparative Fault Arguments

What they do:
They 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’s 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 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

How Attorney911 counters:

We conduct aggressive liability investigations
Use accident reconstruction to prove the other driver’s fault
Obtain witness statements supporting your version
Analyze police reports for citations against the other driver
Use expert testimony on perception-reaction time
Lupe knows their fault arguments because he made them for years—now he defeats them

The Colossus System – How Insurance Companies Actually Value Your Claim

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 insurance companies 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:

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 records to beat the algorithm
He worked with these systems for years as a defense attorney

Reserve setting – the hidden factor:

Reserves are the money insurance sets aside for your claim
Based on worst-case scenario (their estimate of trial verdict)
Adjuster usually CANNOT settle for more than reserve without approval
We increase reserves by:
- Hiring experts (shows we’re investing in the case)
- Taking depositions (creates litigation expense)
- Filing lawsuit (forces trial evaluation)
- Preparing for trial (shows we won’t back down)

Lupe understands reserve psychology and settlement authority limits—this is a game-changing advantage.

Damages and Compensation – What You Can Recover

Types of Damages Available in Texas

Economic Damages (No Cap in Texas):

Damage Type	What It Covers
Medical Expenses (Past)	ER, hospital, surgery, doctors, physical therapy, medications, medical equipment
Medical Expenses (Future)	Ongoing treatment, future surgeries, lifetime medications, long-term care
Lost Wages (Past)	Income lost from date of accident to present
Lost Earning Capacity (Future)	Reduced ability to earn income in the future
Property Damage	Vehicle repair or replacement, personal property
Out-of-Pocket Expenses	Transportation to medical appointments, home modifications, household help

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

Damage Type	What It Covers
Pain and Suffering	Physical pain from 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 appearance
Loss of Consortium	Impact on marriage/family relationships, loss of companionship
Loss of Enjoyment of Life	Inability to participate in activities you previously enjoyed

Punitive/Exemplary Damages (Capped in Texas):

Available for gross negligence, fraud, or malice
Common in drunk driving cases
Cap: Greater of $200,000 OR (2x economic + 1x non-economic max $750,000)
Purpose: Punish defendant and deter similar conduct

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
Higher if: Permanent pain, restrictions on activities, chronic condition develops

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):

Past Medical: $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):

Past Medical: $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

“Multi-million dollar settlement for client who suffered brain injury with vision loss when log dropped on him at logging company” – Attorney911 Case Result

Spinal Cord Injury / Paralysis:

Lifetime care costs by level:
- High Tetraplegia (C1-C4): $6,000,000-$13,000,000+
- Low Tetraplegia (C5-C8): $3,700,000-$6,100,000+
- Paraplegia (T1-L5): $2,500,000-$5,250,000+
SETTLEMENT RANGE: $4,770,000-$25,880,000

Amputation:

Past Medical: $170,000-$480,000
Future Medical (Lifetime Prosthetics): $500,000-$2,000,000
SETTLEMENT RANGE: $1,945,000-$8,630,000

“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” – Attorney911 Case Result

Wrongful Death (Working Age Adult):

Economic Damages: $1,000,000-$4,000,000+
Non-Economic Damages: $500,000-$3,000,000+
SETTLEMENT RANGE: $1,910,000-$9,520,000

“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” – Attorney911 Case Result

Nuclear Verdicts – The Million-Dollar Cases Changing Texas

Definition: Jury awards exceeding $10 million (originally $10M threshold, now often $20M+)

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	Details
2024	Hatch v. Jones	$81,720,000	Car accident wrongful death
2024	Frito-Lay Warehouse	$72,000,000	Vehicle collision
2024	Lopez v. All Points 360	$105,000,000	Amazon DSP wrongful death
2024	New Prime I-35 pileup	$44,100,000	6 deaths in trucking accident
2024	Oncor Electric	$37,500,000	Distracted truck driver
2024	Ben E. Keith	$35,000,000	Trucking accident (largest in Fort Worth history)

Why nuclear verdicts matter for your case:
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.

Settlement Multiplier Method – How Insurance Calculates Your Claim

The Formula:
Total Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage

Multiplier Range: 1.5 to 5

Injury Severity	Multiplier Range
Minor injuries (soft tissue, quick recovery)	1.5 – 2
Moderate injuries (broken bones, months recovery)	2 – 3
Severe injuries (surgery, long recovery)	3 – 4
Catastrophic injuries (permanent disability)	4 – 5+

Example – Minor Injury:

Medical expenses: $10,000
Multiplier: 1.5
Pain & suffering: $15,000
Lost wages: $3,000
Total: $28,000

Example – Severe Injury:

Medical expenses: $100,000
Multiplier: 4
Pain & suffering: $400,000
Lost wages: $50,000
Total: $550,000

Factors That Increase Multiplier (Push Toward 4-5):

Permanent injury or disability
Scarring or disfigurement
Long recovery time (12+ months)
Surgery required
Ongoing pain management needed
Severe impact on daily activities
Clear liability (other driver 100% at fault)
Sympathetic plaintiff (child, elderly, pregnant)
Defendant’s conduct egregious (drunk driving, hit and run)
Strong evidence (video, witnesses)
Permanent restrictions on work/activities

Factors That Decrease Multiplier (Push Toward 1.5-2):

Soft tissue injury only
Quick recovery (under 3 months)
No surgery required
Disputed liability (comparative fault)
Gaps in medical treatment
Pre-existing conditions
Minor property damage
No permanent injury

Why Lupe’s experience matters:
Lupe calculated these multipliers for years using insurance company formulas. He knows:

When to push for higher multiplier (4-5 vs. 2-3)
Which factors insurance weighs most heavily
How to document cases to justify higher multipliers
When multiplier method undervalues case (catastrophic injuries)
When to abandon multiplier and demand policy limits

We Don’t Accept Low Multipliers:

Insurance offers 1.5× multiplier for severe injury? We fight for 4-5×
We document permanency, impact, severity
We prepare for trial if they won’t pay fair multiplier
Our multi-million dollar results prove we don’t accept low multipliers

Medical Knowledge – Understanding Your Injuries

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:

Immediate Symptoms (At Accident Scene or Within Hours):

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

Delayed Symptoms (Hours to Days Later – CRITICAL):

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

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

Severity Classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief LOC (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 our documented case)

Levels:

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

Phantom Limb Pain:

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

“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” – Attorney911 Case Result

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

Why Choose Attorney911 for Your McKinney Accident Case

The 5 Unique Advantages That Set Us Apart

Advantage 1: Insurance Defense Insider

“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 McKinney has this advantage.

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.

Advantage 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”

Advantage 4: Personal Attention

What our clients say:

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

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

“Ralph reached out personally.” – Dame Haskett

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

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

Advantage 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

Testimonials from McKinney and North Texas Clients

For Communication and Care:

“Melanie was excellent. She kept me informed and when she said she would call me back, she did. I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.” – Brian Butchee

“When I felt I had no hope or direction, Leonor reached out to me…She took all the weight of my worries off my shoulders.” – Stephanie Hernandez

“Leonor and Amanda were amazing, they walked me through everything with my car accident.” – Kelly Hunsicker

For Results and Speed:

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

“Leonor is the best!!! She was able to assist me with my case within 6 months.” – Tymesha Galloway

“It only took 6 months amazing.” – Chavodrian Miles

For Switching from Other Attorneys:

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

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

For Spanish Language Services:

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

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

For Ralph’s Personal Involvement:

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

“Ralph Manginello is indeed the best attorney I ever had..He cares greatly about his results.” – AMAZIAH A.T

For Overall Excellence:

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

“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

Celebrity Endorsements

“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

“You know if TraeAbn tells you it’s the right way to go best attorney out here you can’t go wrong” – Erica Perales

Frequently Asked Questions About McKinney Accident Cases

Immediate After Accident

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

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

2. Should I call the police even for a minor accident in McKinney?
Yes. Always call police. In Texas, you must report accidents with injuries, deaths, or property damage over $1,000. The police report is critical evidence.

3. Should I seek medical attention if I don’t feel hurt after a McKinney accident?
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 at Baylor Scott & White Medical Center – McKinney or Medical City McKinney.

4. What information should I collect at the scene of a McKinney accident?

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 after a McKinney accident?

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 McKinney?
You can obtain the police report from the McKinney Police Department 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 after a McKinney accident?
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 company contacts me after a McKinney accident?
Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give recorded statement. Do NOT discuss injuries or fault.

9. Do I have to accept the insurance company’s estimate for my McKinney accident?
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 after a McKinney accident?
NEVER accept settlement before knowing full extent of injuries. Once you sign a release, you cannot get more money even if you need surgery later.

11. What if the other driver is uninsured or underinsured in McKinney?
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 the insurance company want me to sign a medical authorization after a McKinney accident?
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 after a McKinney accident?
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 in McKinney?
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 a lawsuit after a McKinney accident (statute of limitations)?
In Texas: 2 years from date of accident for personal injury, 2 years from date of death for wrongful death. Miss it = case barred forever.

16. What is comparative negligence and how does it affect my McKinney accident case?
Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your % of 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 in my McKinney accident?
You can still recover if you were 50% or less at fault. Your recovery is reduced by your percentage of fault.

18. Will my McKinney accident 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 McKinney accident 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 for a McKinney accident case?

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 McKinney accident 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 after a McKinney accident?

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 after a McKinney accident?
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 after a McKinney accident?
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 McKinney accident settlement?
Generally, compensation for physical injuries is NOT taxable. Punitive damages ARE taxable. Consult a tax professional.

26. How is the value of my McKinney accident 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 in McKinney?
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 for my McKinney accident case?
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 on my McKinney accident case?
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 McKinney accident 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 for my McKinney accident case?
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.”

Specific Situations

32. What common mistakes can hurt my McKinney accident case?

Giving recorded statement without attorney
Accepting 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 McKinney accident on social media?
NO. Make all profiles private. Don’t post about accident, injuries, or activities. Insurance monitors everything.

34. Why shouldn’t I sign anything from insurance without a McKinney accident 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 after my McKinney accident?
See one NOW. Explain you didn’t realize severity of injuries. Delayed symptoms are common. We can still help.

36. What if I have a pre-existing condition after my McKinney accident?
You can still recover. If the accident AGGRAVATED your pre-existing condition, you’re entitled to compensation for the aggravation. “Eggshell plaintiff” rule: Defendant takes victim as they find them. Example: You had mild occasional back pain. Accident caused herniated disc requiring surgery. You recover for the NEW injury, not just the pre-existing pain. We hire medical experts to explain the difference and prove causation through medical testimony.

37. Can I switch attorneys if I’m unhappy with my current McKinney accident 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) after a McKinney accident?
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 for my McKinney accident case?
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. Example: $100,000 medical × 4 multiplier = $400,000 pain & suffering. Lupe calculated these for years—he knows how to justify higher multipliers. See our Damages section for detailed breakdown.

40. What if I was hit by a government vehicle (city bus, police car, etc.) in McKinney?
Government claims have special rules. You must file notice within 6 months (much shorter than 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—6-month deadline is strict.

41. What if the other driver fled the scene (hit and run) in McKinney?
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 after a McKinney accident?
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 my McKinney 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 in my McKinney accident?
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 my McKinney 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.

McKinney-Specific Legal Resources

McKinney Courts Handling Personal Injury Cases:

Collin County District Courts (401st, 416th, 417th, 418th, 429th, 470th)
Collin County Courts at Law (Numbers 1-5)
McKinney Municipal Court (for traffic citations)

McKinney Medical Facilities:

Baylor Scott & White Medical Center – McKinney (Level III Trauma Center)
Medical City McKinney (Level III Trauma Center)
Texas Health Presbyterian Hospital Allen (just south of McKinney)
McKinney Regional Cancer Center
McKinney Orthopedic Specialists

Dangerous McKinney Roads and Intersections:

US-75 (Central Expressway) – High-speed collisions, frequent rear-end accidents
Highway 380 – Heavy truck traffic, dangerous intersections
Eldorado Parkway – Shopping center access points create congestion
Custer Road – High accident rate, especially near Virginia Parkway
Virginia Parkway – Busy commercial corridor with frequent collisions
Lake Forest Drive – Residential area with speeding issues
Intersection of US-75 and Highway 380 – Complex interchange with frequent accidents
Intersection of Eldorado Parkway and Custer Road – Heavy traffic from Stonebridge Ranch
Intersection of Virginia Parkway and Custer Road – High accident rate

McKinney Law Enforcement Agencies:

McKinney Police Department (handles most accidents within city limits)
Collin County Sheriff’s Office (handles unincorporated areas)
Texas Department of Public Safety (handles accidents on state highways)

McKinney Insurance Adjusters to Know:

Insurance companies handling McKinney claims often assign adjusters from regional offices. Our former insurance defense attorney knows their tactics and settlement patterns.

Why McKinney Residents Choose Attorney911

When you’ve been injured in a McKinney accident, you have choices for legal representation. Here’s why so many McKinney residents trust Attorney911:

Local Knowledge: We know McKinney’s courts, judges, and accident patterns. We understand the specific challenges of cases in Collin County.
Insider Advantage: Our former insurance defense attorney knows exactly how insurance companies value claims and what tactics they’ll use against you.
Proven Results: We’ve recovered millions for accident victims, including multi-million dollar settlements for catastrophic injuries.
Personal Attention: You work directly with Ralph Manginello and Lupe Peña, not a case manager assembly line. We treat you like family.
No Risk: Free consultation. No fee unless we win. We advance all case costs.
Bilingual Services: Lupe Peña is fluent in Spanish, and our staff includes bilingual case managers like Zulema.
24/7 Availability: When you call 1-888-ATTY-911, you reach a legal emergency line, not a call center.
Trial Ready: We prepare every case as if it’s going to trial. Insurance companies know we’re not bluffing.
Federal Court Experience: Ralph Manginello is admitted to federal court, which is critical for complex cases.
Community Trust: With over 250 five-star reviews and endorsements from Houston icons like Trae Tha Truth, McKinney residents know they can trust us.

What to Do Right Now

If you’ve been injured in a McKinney accident, here’s exactly what to do:

Call Attorney911 now at 1-888-ATTY-911 for a free consultation. We answer 24/7.
Don’t talk to insurance companies – refer them to us.
Don’t sign anything without our review.
Don’t accept any settlement offers – they’re always lowball.
Focus on your recovery – we’ll handle everything else.

Remember:

Evidence disappears daily
Surveillance footage is deleted in 7-30 days
Witness memories fade quickly
The 2-year statute of limitations is real
Insurance companies are already building their case against you

We don’t get paid unless we win your case. There’s no risk to you, and everything to gain.

Call Attorney911 today at 1-888-ATTY-911 or visit https://attorney911.com for your free consultation. We’re here to fight for you.