Motor Vehicle Accidents in Melissa, Texas: Your Guide to Justice and Recovery
If you’ve been injured in a car accident in Melissa, Texas, you’re not alone. Collin County sees thousands of motor vehicle crashes each year, and the aftermath can be overwhelming. At Attorney911, we understand the physical, emotional, and financial toll these accidents take on victims and their families. With over 25 years of experience serving North Texas, our team is here to fight for the compensation you deserve while you focus on healing.
The Reality of Car Accidents in Melissa and Collin County
Texas consistently ranks among the states with the highest number of traffic fatalities, and Collin County is no exception. In 2024 alone, Texas saw:
- 251,977 people injured in motor vehicle crashes
- 1 crash every 57 seconds
- 1 person injured every 2 minutes and 5 seconds
- 4,150 fatalities
Melissa sits along major thoroughfares like US-75 and State Highway 5, which see heavy commuter traffic daily. The intersection of these highways with local roads creates dangerous conditions, especially during rush hours. Our attorneys have handled countless cases involving accidents at these high-risk locations, from rear-end collisions on US-75 to T-bone accidents at local intersections.
Why Melissa Accident Victims Choose Attorney911
When you’re injured in Melissa, you need a legal team that understands both Texas law and our local community. Ralph Manginello, our founding attorney, has been practicing law in Texas since 1998. His deep roots in the Lone Star State give him unique insight into how local courts operate and what it takes to win cases in Collin County.
What truly sets us apart is our team’s insider knowledge of how insurance companies operate. Lupe Peña, our associate attorney, spent years working for a national insurance defense firm before joining Attorney911. He knows exactly how insurance adjusters evaluate claims, what tactics they use to minimize payouts, and how to counter their strategies. This experience is invaluable when fighting for fair compensation for our clients.
Common Types of Motor Vehicle Accidents in Melissa
Car Accidents (500-700 words)
Car accidents are the most common type of motor vehicle collision in Melissa. These incidents can range from minor fender-benders to catastrophic crashes resulting in life-altering injuries. The most dangerous locations in our area include:
- US-75 between Melissa and McKinney
- State Highway 5 through downtown Melissa
- The intersection of US-75 and FM 455
- Local roads during school zone hours
Common causes of car accidents in Melissa include:
- Distracted driving (texting, phone use, eating)
- Speeding, especially on US-75
- Failure to yield at intersections
- Drunk or impaired driving
- Poor weather conditions (ice, rain, fog)
- Vehicle maintenance issues
Injuries from car accidents can be severe, including:
- 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
One of our recent cases involved a Melissa resident who suffered a leg injury in a car accident. During treatment, staff infections developed, leading to a partial amputation. This case settled in the millions, demonstrating our ability to handle complex cases with devastating injuries.
18-Wheeler and Trucking Accidents (500-700 words)
Melissa’s proximity to US-75 and other major highways makes it a hotspot for trucking accidents. In 2024, Texas saw 39,393 commercial motor vehicle crashes, resulting in 608 fatalities and 1,601 serious injuries. Collin County experiences its share of these devastating accidents, particularly along:
- US-75 between Melissa and Sherman
- State Highway 121 near Melissa
- FM 455 near industrial areas
- Local roads where trucks make deliveries
Trucking accidents are particularly dangerous due to the size and weight disparity between commercial trucks and passenger vehicles. An 18-wheeler can weigh up to 80,000 pounds, while the average car weighs around 4,000 pounds. This difference means truck accidents often result in catastrophic injuries or fatalities.
Common causes of trucking accidents in Melissa include:
- Driver fatigue (violations of Hours of Service regulations)
- Distracted driving
- Improper loading of cargo
- Poor vehicle maintenance
- Speeding or aggressive driving
- Driving under the influence
- Inadequate driver training
At Attorney911, we have extensive experience handling trucking accident cases. Our firm is one of the few in Texas to be involved in BP explosion litigation, demonstrating our capability to take on large corporations and complex cases. We’ve recovered millions for families facing trucking-related wrongful death cases.
Federal Motor Carrier Safety Administration (FMCSA) regulations play a crucial role in trucking accident cases. These rules govern:
- Hours of Service (HOS) limits
- Driver qualifications and training
- Vehicle maintenance requirements
- Drug and alcohol testing
- Electronic Logging Device (ELD) requirements
Violations of these regulations can establish negligence per se, making it easier to prove liability in your case.
Drunk Driving Accidents (500-700 words)
Texas has a serious problem with drunk driving. In 2024, alcohol-impaired driving was responsible for 1,053 deaths in Texas, accounting for 25.37% of all traffic fatalities. Collin County sees its share of these preventable tragedies, often occurring:
- On weekends and holidays
- Near bars and restaurants in McKinney and Frisco
- On US-75 and State Highway 5
- During late-night hours
Drunk driving accidents are particularly devastating because they’re 100% preventable. When someone chooses to drive under the influence, they put everyone on the road at risk. These accidents often result in severe injuries, including:
- Traumatic brain injuries
- Spinal cord injuries and paralysis
- Internal organ damage
- Broken bones and fractures
- Wrongful death
Texas has strong laws against drunk driving, including:
- Criminal penalties (fines, license suspension, jail time)
- Civil liability for damages
- Dram shop liability (holding establishments accountable for serving intoxicated patrons)
Texas Alcoholic Beverage Code § 2.02 establishes dram shop liability, allowing victims to sue bars, restaurants, and other establishments that serve alcohol to obviously intoxicated individuals who then cause accidents. 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
Our firm has unique expertise in handling drunk driving cases. Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving us insight into both the criminal and civil aspects of these cases. We’ve successfully handled numerous DWI-related cases, including three notable dismissals:
- A case where the breathalyzer machine was improperly maintained by police
- A case with no breath or blood test, missing EMS notes, dismissed on the day of trial
- A case where video evidence showed our client was not drunk
Motorcycle Accidents (300-450 words)
Motorcycle accidents are particularly dangerous due to the lack of protection for riders. In 2024, Texas saw 585 motorcyclist fatalities, with 37% of those killed not wearing helmets. Collin County has a significant motorcycle community, with riders often traveling on:
- US-75 between Melissa and Dallas
- State Highway 5 and surrounding rural roads
- Local scenic routes popular with riders
- Roads near Lake Lavon
Common causes of motorcycle accidents in Melissa include:
- Drivers failing to see motorcycles
- Failure to yield right-of-way
- Distracted driving
- Unsafe lane changes
- Left-turn accidents
- Road hazards (potholes, debris)
Motorcycle accidents often result in severe injuries, including:
- Traumatic brain injuries (even with helmet use)
- Spinal cord injuries and paralysis
- Road rash and severe abrasions
- Broken bones and fractures
- Internal injuries
- Amputations
Texas law requires helmets for riders under 21. Riders over 21 may ride without a helmet if they’ve completed a safety course or have adequate medical insurance. However, helmets reduce the risk of death by 37% and head injuries by 69%.
Insurance companies often try to blame motorcyclists for accidents, using Texas’ 51% comparative fault rule against them. Lupe Peña’s experience as an insurance defense attorney is particularly valuable in these cases, as he knows exactly what arguments the insurance companies will use and how to counter them.
Pedestrian Accidents (300-450 words)
Pedestrian accidents are a growing concern in Melissa, especially in areas with high foot traffic. In 2024, Texas saw 6,095 pedestrian crashes resulting in 768 fatalities. Pedestrians are particularly vulnerable, accounting for only 1% of crashes but 19% of all roadway deaths.
Dangerous locations for pedestrians in Melissa include:
- Downtown Melissa near shops and restaurants
- School zones, especially during drop-off and pick-up times
- US-75 crosswalks
- Residential areas with poor lighting
- Parking lots
Common causes of pedestrian accidents:
- Drivers failing to yield at crosswalks
- Distracted driving
- Speeding
- Poor visibility (nighttime, weather conditions)
- Drunk or impaired driving
- Failure to obey traffic signals
Pedestrian accidents often result in catastrophic injuries, including:
- Traumatic brain injuries
- Spinal cord injuries and paralysis
- Broken pelvis and legs
- Internal organ damage
- Fatalities
A critical legal point for pedestrians: You always have the right-of-way at intersections in Texas, even at unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you. This legal protection gives pedestrians a strong position when pursuing claims.
What to Do After an Accident in Melissa
The 48-Hour Protocol: Protecting Your Rights and Evidence
If you’re involved in an accident in Melissa, what you do in the first 48 hours can make or break your case. Follow this protocol to protect your rights:
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 and request medical assistance if anyone is injured.
- Medical Attention: Even if you feel fine, get checked out immediately. Adrenaline can mask serious injuries.
- Document Everything:
- Take photos of all vehicle damage (every angle)
- Photograph the accident scene, road conditions, and traffic signals
- Take photos of visible injuries
- Screenshot any messages visible on your phone
- Exchange Information:
- Other driver’s name, phone number, address
- Insurance company and policy number
- Driver’s license number
- License plate number
- Vehicle make, model, and color
- Witnesses: Get names and phone numbers of any witnesses.
- Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to any insurance company.
Hour 6-24 (Evidence Preservation):
- Digital Preservation:
- Preserve all texts, calls, photos, and videos related to the accident
- Don’t delete anything from your phone
- Screenshot everything relevant
- Email copies to yourself for backup
- Physical Evidence:
- Secure damaged clothing, glasses, and personal items
- Keep receipts for any expenses (towing, rental car, medications)
- Don’t repair your vehicle yet—preserve the damage
- Medical Records:
- Request copies of all ER and hospital records
- Keep all discharge paperwork
- Follow up with your primary care physician within 24-48 hours
- Insurance Communications:
- Note any calls from insurance companies
- Don’t give recorded statements yet
- Don’t sign anything
- Don’t accept any settlement offers
- Say: “I need to speak with my attorney first”
- Social Media:
- Make all profiles private immediately
- Don’t post about the accident
- Don’t post photos of injuries or activities
- Tell friends and family not to tag you in posts
Hour 24-48 (Strategic Decisions):
- Legal Consultation:
- Speak with an experienced motor vehicle accident attorney
- Call Attorney911: 1-888-ATTY-911 for a 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:
- Don’t accept or sign anything without lawyer review
- Early offers are always lowball offers
- You don’t know the extent of your injuries yet
- Evidence Backup:
- Upload all screenshots and photos to cloud storage
- Email copies to yourself and a family member
- Create a written timeline of events while your memory is fresh
Why Evidence Disappears So Quickly
One of the most critical aspects of building a strong case is preserving evidence. Unfortunately, evidence disappears at an alarming rate:
- Day 1-7: Witness memories begin fading immediately
- Day 7-30: Surveillance footage is typically deleted:
- Gas stations: 7-14 days
- Retail stores: 30 days
- Ring doorbells: 30-60 days
- Traffic cameras: 30 days
- Month 1-2: Insurance companies solidify their defense position against you
- Month 2-6: Electronic data from trucks can be overwritten:
- ELD (Electronic Logging Device) data: 30-180 days
- Black box data: Can be automatically overwritten
- GPS/telematics: Varies by company
- Month 6-12: Witnesses become harder to locate, memories degrade significantly
- Month 12-24: Approaching the 2-year statute of limitations deadline
At Attorney911, we act immediately to preserve critical evidence. Within 24 hours of being retained, we send preservation letters to:
- The other driver’s insurance company
- Trucking companies (for commercial vehicle accidents)
- Businesses near the accident scene (for 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 the preservation of evidence that would otherwise be deleted automatically.
Texas Motor Vehicle Law: What Melissa Victims Need to Know
Statute of Limitations: The 2-Year Deadline
In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit. This deadline, known as the statute of limitations, is absolute. If you miss it, your case will be barred forever, and you’ll lose your right to compensation.
There are limited exceptions to this rule:
- Discovery Rule: The 2-year clock may start later if the injury or its cause wasn’t immediately discoverable.
- Minors: The statute of limitations is tolled (paused) until the injured person turns 18.
- Defendant’s Absence: If the at-fault party leaves Texas, the clock may be paused during their absence.
Comparative Negligence: The 51% Rule
Texas uses a modified comparative negligence system with a 51% bar rule. This means:
- If you’re 50% or less at fault, you can recover damages, but your compensation will be reduced by your percentage of fault.
- If you’re 51% or more at fault, you recover nothing.
This rule is critical in many accident cases. Insurance companies will often try to assign as much fault as possible to victims to reduce their payouts. Even small percentages of fault can cost you thousands of dollars:
| 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 |
Lupe Peña’s experience as an insurance defense attorney is invaluable here. He knows exactly how insurance companies calculate fault percentages and how to counter their arguments.
Texas Minimum Auto Insurance Requirements
Texas requires all drivers to carry minimum liability insurance coverage:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
However, these minimum limits are often insufficient to cover the costs of serious accidents. That’s why we always investigate whether additional coverage is available, such as:
- The at-fault driver’s umbrella policy
- Commercial policies (if the at-fault driver was working)
- Your own uninsured/underinsured motorist (UM/UIM) coverage
Uninsured/Underinsured Motorist Coverage
Texas has one of the highest rates of uninsured drivers in the country, with approximately 15.4% of motorists driving without insurance. UM/UIM coverage protects you when:
- The at-fault driver has no insurance
- The at-fault driver has insufficient insurance
- You’re the victim of a hit-and-run accident
Texas allows “stacking” of UM/UIM coverage, which means you can combine coverage from multiple vehicles on the same policy. For example, if you have two cars with $50,000 UM/UIM coverage each, you may be able to stack them for $100,000 in total coverage.
How Insurance Companies Try to Minimize Your Claim
At Attorney911, we’ve seen firsthand how insurance companies try to take advantage of accident victims. Lupe Peña’s experience working for a national insurance defense firm gives us unique insight into their tactics. Here are the six most common strategies they use—and how we counter them:
Tactic #1: Quick Contact and Recorded Statements
What They Do:
Within hours or days of your accident, an insurance adjuster will contact you. 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 trying to get you to say something that will hurt your case. They’ll ask leading questions designed to:
- Get you to admit fault (even partial fault)
- Minimize the severity of your injuries
- Suggest your injuries aren’t related to the accident
- Get you to say you’re feeling better
Their Favorite Questions:
- “You’re feeling better now though, right?”
- “It wasn’t that bad of an impact, was it?”
- “You were able to walk away from the scene?”
- “Were you distracted at all?”
- “How fast were you going?”
The Truth:
- You are NOT required to give a recorded statement to the other driver’s insurance company.
- 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:
- We tell you not to give recorded statements without us.
- Once you hire us, we become your voice.
- All calls go through us.
- If a statement becomes absolutely necessary, we prepare you extensively and sit with you during the statement.
- We know their questions because Lupe asked them for years.
Tactic #2: Quick Settlement Offers
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 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 full extent of your injuries yet. Consider this scenario:
| What Happens | Result |
|---|---|
| Day 3: Insurance offers $3,500 “final settlement” | You’re desperate, in pain, scared about bills |
| 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 a release, can’t reopen your claim |
| You pay $100,000 out of pocket | Insurance pays nothing more |
The Release is Permanent and Final.
How Attorney911 Counters:
- Never settle before Maximum Medical Improvement (MMI).
- MMI is when you’ve reached your best possible medical outcome.
- This could take 6 months, 12 months, or even 24+ months depending on your injuries.
- We know their offers are always lowball—typically 10-20% of the true value.
- Lupe calculated these lowball offers for years—he knows exactly how they work.
Tactic #3: “Independent” Medical Exams (IMEs)
What They Call It:
“Independent Medical Examination”
What It Really Is:
An insurance company-hired doctor whose job is to minimize your injuries.
How They 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:
- A 10-15 minute “examination” (vs. your treating doctor’s thorough evaluation)
- Rarely review your complete medical records beforehand
- Ask questions designed to elicit “I’m feeling better” responses
- Look for any reason to minimize your injuries
Common IME Doctor Findings:
| What They Say | What It Really Means |
|---|---|
| “Patient has pre-existing degenerative changes” | Everyone over 40 has some arthritis—used to deny claims |
| “Injuries consistent with minor trauma” | Minimizes your pain and suffering |
| “Patient can return to full duty work” | Eliminates lost wage claims |
| “Treatment has been excessive” | Attacks your treating doctors |
| “Subjective complaints out of proportion to objective findings” | Medical speak for calling you a liar |
How Attorney911 Counters:
- We prepare you extensively before the exam
- We send your complete medical records to the IME doctor first (forcing them to review)
- We challenge biased IME reports with our own medical experts
- Lupe knows these specific doctors and their biases—he hired them for years
Tactic #4: Delay and Financial Pressure
What They Do:
They drag out your case, hoping you’ll get desperate:
- “Still investigating your claim”
- “Waiting for medical records” (that we sent months ago)
- “Reviewing your file”
- “Need additional information”
- Ignore calls and emails
- Take weeks to respond to simple questions
Why Delay Works (On People Without Attorneys):
Insurance Companies Have:
- Unlimited time
- Unlimited resources
- No financial pressure
- Earning interest on your settlement money while delaying
You Have:
- Mounting bills
- Zero income
- Creditors threatening
- Need money now
Financial Desperation Makes You Accept Less:
- Month 1: You’d reject a $5,000 offer
- Month 6: You’d seriously consider $5,000
- Month 12: You’d beg for $5,000 just to end the nightmare
How Attorney911 Counters:
- We file a lawsuit to force deadlines
- We set depositions to compel them to produce witnesses
- We prepare for trial to show we’re serious
- Lupe understands delay tactics because he used them—he knows when to push
Tactic #5: Surveillance and Social Media Monitoring
What They Do:
Insurance companies hire private investigators to:
- Video you doing daily activities
- Film from public places (your driveway, street, stores)
- Follow you to appointments, errands, social activities
- Look for any activity that contradicts 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 | What Insurance Claimed | Reality |
|---|---|---|---|
| Old Gym Photo | Photo from 3 years ago | Presented as recent, contradicts injury | We proved metadata was pre-accident |
| Restaurant Check-in | Facebook check-in | “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 |
Lupe’s Insider Quote:
“I’ve reviewed hundreds of surveillance videos and social media posts as a 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.”
7 Rules for Clients:
- Make all profiles private immediately
- Don’t post about the accident, injuries, activities, or emotions
- Don’t check in anywhere
- Tell friends and family: don’t tag you, don’t post about you
- Don’t accept friend requests from strangers (fake profiles)
- Best option: 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 the maximum possible 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% or more at fault → You get nothing
- If you’re 50% or less at fault → Your damages are reduced by your percentage
Even small fault percentages cost you thousands:
- 10% fault on a $100,000 case = $10,000 less for you
- 25% fault on a $250,000 case = $62,500 less for you
- 40% fault on a $500,000 case = $200,000 less for you
How 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: How Insurance Companies Actually Value Your Claim
Most people don’t realize that insurance companies use sophisticated software to calculate the value of your claim. Lupe Peña used these systems when he worked for a national defense firm, and he knows exactly how they work.
How Colossus Works
Colossus is a computerized claim valuation system used by Allstate, State Farm, Liberty Mutual, and other major insurers. Here’s how it works:
-
Data Entry: The insurance adjuster inputs information about your case, including:
- Injury codes
- Treatment types
- Medical costs
- Lost wages
- Jurisdiction
-
Coding: Your injuries are coded using standardized medical terms. This is where insurance companies can manipulate your claim value.
-
Calculation: The software applies algorithms to determine a “value” for your claim.
-
Range Output: The system provides a recommended settlement range.
-
Authority: The adjuster typically cannot settle for more than the Colossus range without supervisor approval.
How Insurance Companies Manipulate Colossus
Insurance adjusters are trained to input data in ways that minimize your claim value:
| Manipulation | Effect on Your Claim |
|---|---|
| Low Injury Codes | Using “soft tissue strain” instead of “disc herniation” can reduce your claim value by 50-100% |
| Excessive Treatment Flags | Physical therapy beyond what Colossus considers “normal” triggers reductions |
| Conservative Treatment Penalty | Chiropractic care is valued less than treatment from medical doctors |
| Pre-Existing Reduction | Any prior medical condition is used to reduce your claim value |
| Jurisdiction Factor | Low-verdict counties get lower settlement values |
Why Lupe’s Experience Matters
Lupe knows:
- How to code injuries properly for maximum value
- Which medical terms trigger higher valuations
- When Colossus output is artificially low
- How to present medical records to beat the algorithm
- He worked with these systems for years as a defense attorney
Reserve Setting: The Hidden Factor
Insurance companies set “reserves” for each claim—money they set aside based on their worst-case scenario. Adjusters usually cannot settle for more than the reserve amount without special approval.
How We Increase Reserves:
- Hiring expert witnesses (shows we’re investing in the case)
- Taking depositions (creates litigation expenses)
- Filing a lawsuit (forces a trial evaluation)
- Preparing for trial (shows we’re serious)
Lupe understands reserve psychology and settlement authority limits, giving us a significant advantage in negotiations.
Understanding Your Damages: What You Can Recover
After an accident in Melissa, you may be entitled to various types of compensation. At Attorney911, we fight to recover every dollar you deserve.
Economic Damages (No Cap in Texas)
Economic damages are quantifiable financial losses you’ve suffered due to the accident:
| Damage Type | What It Covers |
|---|---|
| Medical Expenses (Past) | ER visits, hospital stays, surgeries, doctor visits, physical therapy, medications, medical equipment |
| Medical Expenses (Future) | Ongoing treatment, future surgeries, lifetime medications, long-term care |
| Lost Wages (Past) | Income lost from the date of the accident to the present |
| Lost Earning Capacity (Future) | Reduced ability to earn income in the future due to permanent injuries |
| Property Damage | Vehicle repair or replacement, personal property damaged in the accident |
| Out-of-Pocket Expenses | Transportation to medical appointments, home modifications, household help, childcare |
Non-Economic Damages (No Cap Except Medical Malpractice)
Non-economic damages compensate you for intangible losses that are harder to quantify:
| Damage Type | What It Covers |
|---|---|
| Pain and Suffering | Physical pain from your injuries, both past and future |
| Mental Anguish | Emotional distress, anxiety, depression, fear, PTSD |
| Physical Impairment | Loss of physical function, disability, limitations on daily activities |
| Disfigurement | Scarring, permanent visible injuries that affect your appearance |
| Loss of Consortium | Impact on your marriage and family relationships, loss of companionship |
| Loss of Enjoyment of Life | Inability to participate in activities you previously enjoyed |
Punitive/Exemplary Damages (Capped)
Punitive damages are available in cases involving gross negligence, fraud, or malice. They’re designed to punish the defendant and deter similar conduct. In Texas, punitive damages are capped at the greater of:
- $200,000, OR
- 2 times economic damages plus 1 times non-economic damages (capped at $750,000 for the non-economic portion)
Common situations where punitive damages apply in motor vehicle accidents:
- Drunk driving accidents
- Hit-and-run accidents
- Cases where the defendant was texting while driving
- Cases involving extreme speeding or reckless driving
Settlement Ranges by Injury Type
The value of your case depends on many factors, including the severity of your injuries. Here are typical settlement ranges for common accident injuries:
Soft Tissue Injuries (Whiplash, Sprains, Strains)
Medical Treatment:
- Emergency room: $2,000-$5,000
- Follow-up doctor visits: $1,000-$3,000
- Physical therapy (6-12 weeks): $3,000-$7,000
- Medications: $300-$1,000
- Total Medical: $6,000-$16,000
Lost Wages: $2,000-$10,000 (2-6 weeks missed work)
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:
- Emergency room and X-rays: $3,000-$6,000
- Orthopedic consultation: $500-$1,500
- Casting and follow-up: $2,000-$5,000
- Physical therapy: $3,000-$8,000
- Total Medical: $10,000-$20,000
Lost Wages: $5,000-$15,000 (4-8 weeks missed work)
Pain & Suffering: $20,000-$60,000
Settlement Range: $35,000-$95,000
Broken Bone (Requiring Surgery – ORIF)
Medical Treatment:
- Emergency room: $5,000-$10,000
- Surgery (Open Reduction Internal Fixation): $25,000-$50,000
- Hospital stay (2-3 days): $6,000-$15,000
- Follow-up care: $3,000-$8,000
- Physical therapy (3-6 months): $8,000-$15,000
- Total Medical: $47,000-$98,000
Lost Wages: $10,000-$30,000 (3-6 months)
Pain & Suffering: $75,000-$200,000
Settlement Range: $132,000-$328,000
Herniated Disc (Conservative Treatment)
Medical Treatment:
- Emergency room and initial treatment: $3,000-$6,000
- MRI: $2,000-$4,000
- Physician visits and pain management: $5,000-$12,000
- Physical therapy (3-6 months): $8,000-$15,000
- Epidural steroid injections (series of 3): $3,000-$6,000
- Medications: $1,000-$3,000
- Total Medical: $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:
- Initial treatment and diagnostics: $8,000-$15,000
- Failed conservative treatment: $10,000-$20,000
- Spinal surgery (microdiscectomy or fusion): $50,000-$100,000
- Hospital stay: $8,000-$20,000
- Post-surgical care and follow-up: $5,000-$15,000
- Physical therapy (6-12 months): $10,000-$20,000
- Pain management: $5,000-$15,000
- Total Past Medical: $96,000-$205,000
Future Medical: $30,000-$100,000 (ongoing pain management, possible revision surgery)
Lost Wages: $20,000-$50,000 (6-12 months recovery)
Lost Earning Capacity: $50,000-$400,000 (if you can’t return to your previous job)
Pain & Suffering: $150,000-$450,000
Settlement Range: $346,000-$1,205,000
Traumatic Brain Injury (Moderate to Severe)
Medical Treatment:
- Emergency room and trauma care: $10,000-$30,000
- Hospital/ICU stay (1-4 weeks): $50,000-$200,000
- Neurosurgery if required: $75,000-$200,000
- Acute rehabilitation facility: $30,000-$100,000
- Neurologist follow-up care: $10,000-$30,000
- Neuropsychological testing: $3,000-$8,000
- Cognitive therapy: $15,000-$50,000
- Medications: $5,000-$20,000
- Total Past Medical: $198,000-$638,000
Future Medical (Life Care Plan): $300,000-$3,000,000+ depending on severity
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
Spinal cord injuries often result in permanent disability and require lifetime care. The costs can be astronomical:
| Injury Level | First Year Costs | Each Year After | Lifetime Total |
|---|---|---|---|
| High Tetraplegia (C1-C4) | $1,200,000-$1,500,000 | $200,000-$250,000 | $6,000,000-$13,000,000+ |
| Low Tetraplegia (C5-C8) | $850,000-$1,100,000 | $75,000-$100,000 | $3,700,000-$6,100,000+ |
| Paraplegia (T1-L5) | $500,000-$750,000 | $70,000-$90,000 | $2,500,000-$5,250,000+ |
Settlement Range: $4,770,000-$25,880,000
Amputation
Medical Treatment:
- Emergency care and surgery: $80,000-$200,000
- Hospital stay: $50,000-$150,000
- Rehabilitation: $30,000-$100,000
- Initial prosthetic fitting: $10,000-$30,000
- Total Past Medical: $170,000-$480,000
Future Medical (Lifetime Prosthetics):
- Basic prosthetic leg: $5,000-$15,000 every 3-5 years
- Advanced computerized prosthetic: $50,000-$100,000 every 3-5 years
- Over lifetime (30-50 years): $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:
- Funeral and burial: $10,000-$20,000
- Medical expenses before death: $50,000-$500,000
- Lost financial support to family (present value): $1,000,000-$4,000,000
Non-Economic Damages:
- Loss of companionship, society, love: $500,000-$3,000,000
- Loss of advice and counsel: $100,000-$500,000
- Mental anguish (family members): $250,000-$1,500,000
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”
Why Choose Attorney911 for Your Melissa Accident Case
When you’re injured in an accident in Melissa, you have choices for legal representation. Here’s why Attorney911 stands out:
1. Insurance Defense Insider Advantage
“Lupe Peña worked for a number of years at a national defense firm, learning firsthand how large insurance companies value claims.”
This is our most powerful advantage. Lupe spent years working for insurance companies, learning:
- How they value claims internally
- What tactics they use to minimize payouts
- Which doctors they hire for “independent” medical exams
- How they calculate settlement offers
- When they’re bluffing about policy limits
Now, he uses that knowledge to fight for victims—not against them. This insider perspective is invaluable in negotiations and litigation.
2. Multi-Million Dollar Results
Our results speak for themselves:
- Multi-million dollar settlement for a brain injury with vision loss
- Multi-million dollar settlement for a car accident amputation case
- Millions recovered in trucking wrongful death cases
- Significant cash settlement for a maritime back injury
These aren’t just numbers—they represent real people whose lives were devastated by accidents and who received the compensation they needed to rebuild.
3. Federal Court Experience
Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas. This federal court experience is crucial for:
- Complex trucking cases involving FMCSA regulations
- Cases against out-of-state defendants
- Product liability cases (like Tesla/Autopilot accidents)
- Cases with multiple defendants
Our firm is also one of the few in Texas to be involved in BP explosion litigation, demonstrating our capability to take on billion-dollar corporations.
4. Personal Attention from Partners
At Attorney911, you work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers. As client Chad Harris said:
“You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”
This personal attention sets us apart from high-volume firms where you’re just a case number.
5. Contingency Fee—No Risk to You
We work on a contingency fee basis, which means:
- You pay nothing upfront
- We advance all case costs
- You pay nothing unless we win your case
- Our fee is a percentage of your recovery
This arrangement ensures that everyone has access to quality legal representation, regardless of their financial situation.
6. Bilingual Services
Lupe Peña is fluent in Spanish, and our staff includes bilingual team members who can assist Spanish-speaking clients. As client Celia Dominguez said:
“Especially Miss Zulema, who is always very kind and always translates.”
We ensure that language is never a barrier to justice.
7. Proven Track Record of Client Satisfaction
With over 251 Google reviews and a 4.9-star rating, our clients consistently praise our:
- Communication: “Melanie was excellent. She kept me informed and when she said she would call me back, she did.” — Brian Butchee
- Results: “Leonor got me into the doctor the same day…it only took 6 months amazing.” — Chavodrian Miles
- Compassion: “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
Client Testimonials: Real Stories from Melissa and Beyond
At Attorney911, we’re proud of the relationships we build with our clients. Here’s what some of them have to say about their experience:
On 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
“Consistent communication and not one time did I call and not get a clear answer…Ralph reached out personally.” — Dame Haskett
On 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
“Mariela and Zulema have done such a fantastic job…gone above and beyond to get my case settled quickly!” — Hannah Garcia
“It only took 6 months amazing.” — Chavodrian Miles
On Taking Cases Others Wouldn’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
“They took over my case from another lawyer and got to working on my case.” — CON3531
“They solved in a couple of months what others did nothing about in two years.” — Angel Walle
On Spanish Language Services:
“The support provided at Manginello Law Firm was excellent…They worked hard to do their best.” — Maria Ramirez
“Especially Miss Zulema, who is always very kind and always translates.” — Celia Dominguez
“Melani, thank you for your excellent work.” — Miguel J. mayo bermudez
On Ralph’s Personal Involvement:
“Attorney Manginello is so knowledgeable but straight to the point…responded quickly even while he was away.” — S M
“He listened intently heard my concerns and issues and immediately began working to protect my rights.” — Ken Taylor
“Mr. Manginello guided me through the whole process with great expertise…tenacious, accessible, and determined throughout the 19 months.” — Jamin Marroquin
On 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
“This place feels like having a family over your case. And communication with you every step of the way. That’s how you know you’re in good hands.” — Kiwi Potato
Frequently Asked Questions About Motor Vehicle Accidents in Melissa
Immediate After Accident
1. What should I do immediately after a car accident in Melissa, Texas?
If you’ve been in an accident in Melissa:
- Call 911 and report the accident
- Seek medical attention even if you feel fine (adrenaline masks injuries)
- Document everything: photos of damage, injuries, scene
- Exchange information with the other driver
- Get witness names and phone numbers
- Do NOT give a recorded statement to any insurance company
- Call Attorney911: 1-888-ATTY-911
2. Should I call the police even for a minor accident?
Yes. Always call the police. In Texas, you must report accidents with injuries, deaths, or property damage over $1,000. The police report is critical evidence for your case.
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 Melissa, you can obtain the police report from the responding agency (Melissa Police Department or Collin County Sheriff’s Office) 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 on what to say.
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 the actual value of your claim. Attorney911 fights for what your case is really worth.
10. Should I accept a quick settlement offer?
NEVER accept a settlement before knowing the full extent of your injuries. Once you sign a release, you cannot get more money even if you need surgery later.
11. What if the other driver is uninsured or underinsured?
Your own UM/UIM (Uninsured/Underinsured Motorist) coverage can compensate you. Watch our video on UM/UIM claims: 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 in negotiations.
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?
It depends on the severity of your injuries. We don’t settle until you’ve reached Maximum Medical Improvement (MMI). This 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?
It depends on: injury severity, medical costs, lost wages, permanent impairment, pain and suffering, and 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 damages (except in medical malpractice cases).
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—defendants take victims as they find them.
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 for your specific situation.
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, and impact on your daily life.
Attorney Relationship
27. How much do car accident lawyers cost?
Attorney911 works on a contingency fee basis: 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 or 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.”
Mistakes to Avoid
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 that you didn’t realize the severity of your injuries. Delayed symptoms are common. We can still help.
Additional Common Questions
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 defendants take victims as they find them. For example: if you had mild occasional back pain before the accident, and the accident caused a herniated disc requiring surgery, you can recover for the new injury—not just the pre-existing pain. We hire medical experts to prove the difference. Lupe knows how insurance companies attack pre-existing conditions—he used this defense for years, so he knows how to counter it.
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 for less than your case is worth, 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 (UM/UIM) claims are against your own insurance when the other driver has no insurance or insufficient insurance. Unfortunately, your insurance company will fight your claim just like the other driver’s insurance would. You need attorney representation to maximize your UM/UIM recovery. Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on the same policy. Lupe’s insurance knowledge is particularly valuable for UM/UIM claims.
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
- Sympathetic plaintiff
- Egregious defendant conduct
For example: $100,000 medical expenses × 4 multiplier = $400,000 pain & suffering. Lupe calculated these multipliers for years using insurance company formulas. He knows how to justify higher multipliers and when the multiplier method undervalues cases.
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, and damage caps may apply. These cases are complex—you need an experienced attorney. Ralph’s 25+ years of experience 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 when the at-fault driver is unidentified. Surveillance footage is critical—most footage is deleted within 7-30 days. We send preservation letters to businesses immediately to secure this evidence. Texas allows UM stacking, which can significantly increase your available coverage. 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. Your 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, and we protect your privacy. Lupe is fluent in Spanish, and our team includes bilingual staff. Call 1-888-ATTY-911—we’ve successfully represented clients of all immigration statuses.
43. What if the accident happened in a parking lot?
Parking lot accidents are fully compensable. Insurance companies often argue that “parking lot accidents are always 50/50 fault,” but this is a myth. We prove fault through:
- Surveillance video
- Witness statements
- Damage analysis
- Traffic patterns
- Right-of-way rules
Texas comparative negligence rules apply in parking lots just like on regular roads. 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, and the driver’s insurance covers passengers. There are no comparative fault issues (you weren’t driving), so these cases often settle quickly. 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. The death doesn’t eliminate liability. The insurance policy still applies, and 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.
Contact Attorney911: Your Melissa Car Accident Lawyers
If you’ve been injured in a motor vehicle accident in Melissa, Texas, don’t wait to get the help you need. Evidence disappears daily, and the insurance companies are already building their case against you.
Call Our Legal Emergency Line: 1-888-ATTY-911 (1-888-288-9911)
Our team is available 24/7 to provide immediate assistance. When you call, you’ll speak with experienced attorneys who understand what you’re going through and can guide you through the next steps.
Free Consultation—No Obligation
During your free consultation, we’ll:
- Review the details of your accident
- Explain your legal rights and options
- Answer all your questions
- Provide honest advice about your case
- Outline the next steps if you choose to work with us
No Fee Unless We Win
Attorney911 works on a contingency fee basis. This means:
- You pay nothing upfront
- We advance all case costs
- You pay nothing unless we recover compensation for you
- Our fee is a percentage of your recovery
Office Locations Serving Melissa
While our primary office is in Houston, we serve clients throughout Texas, including Melissa and all of Collin County. We offer:
- In-person consultations in our Houston office
- Remote consultations via phone or video
- Travel to Melissa for important meetings
- Local representation in Collin County courts
The Manginello Law Firm, PLLC
Attorney911
Principal Office: Houston, Texas
Serving Melissa and all of Collin County
1-888-ATTY-911 (1-888-288-9911)
https://attorney911.com
Se Habla Español
Lupe Peña and our bilingual staff are fluent in Spanish. Language will never be a barrier to justice.
Don’t Wait—Call Attorney911 Today
Every day you wait, evidence disappears:
- Surveillance footage deleted in 7-30 days
- Witness memories fade quickly
- Insurance companies build their case against you
- The 2-year statute of limitations clock is ticking
Call our legal emergency line now: 1-888-ATTY-911
You don’t have to face this alone. Let Attorney911 fight for the compensation you deserve while you focus on your recovery. With our insurance defense insider advantage, multi-million dollar results, and commitment to personal service, we’re the clear choice for Melissa accident victims.
Call now for your free consultation. We don’t get paid unless we win your case.

