Motor Vehicle Accident Lawyers in Simonton, Texas | Attorney911

If you’ve been injured in a car accident in Simonton, Texas, you’re not alone. Every 57 seconds, a motor vehicle crash occurs somewhere in Texas, and every 2 minutes and 5 seconds, someone is injured. In Fort Bend County, including Simonton and surrounding communities like Richmond, Rosenberg, and Sugar Land, these accidents can happen on FM 1489, Highway 36, or even quiet residential streets.

At Attorney911, we understand that a car accident isn’t just a legal issue—it’s a life-changing event that brings fear, confusion, and financial stress. Ralph Manginello, our founder with over 25 years of experience, has built a team that combines legal expertise with genuine compassion. We know the roads in Simonton and Fort Bend County, and we know how to fight for the compensation you deserve.

Why Simonton Accident Victims Choose Attorney911

When you’re injured in a motor vehicle accident in Simonton, you need more than just a lawyer—you need a legal emergency response team. That’s why we established 1-888-ATTY-911 as a true legal emergency line. Unlike high-volume firms where you’re just a case number, at Attorney911, you’ll work directly with experienced attorneys who care about your recovery.

Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for national insurance companies. He knows exactly how they value claims, what tactics they use, and how to counter their strategies. This insider knowledge is our secret weapon in fighting for maximum compensation for Simonton accident victims.

As client Chad Harris shared: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.” This personal attention is what sets us apart from other firms in Fort Bend County.

Common Types of Motor Vehicle Accidents in Simonton

Car Accidents in Simonton

Car accidents are the most common type of motor vehicle collision in Simonton and throughout Fort Bend County. In 2024 alone, Texas saw 251,977 people injured in motor vehicle crashes, with one crash occurring every 57 seconds.

Common causes of car accidents in Simonton include:

Distracted driving (texting, phone use, eating)
Speeding on rural roads like FM 1489 or Highway 36
Failure to yield at intersections
Running red lights or stop signs
Following too closely on busy roads
Driving under the influence of alcohol or drugs

Common injuries from Simonton car accidents:

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

In a recent case, our client’s leg was injured in a car accident on Highway 36. During treatment, staff infections developed, leading to a partial amputation. This case settled in the millions, demonstrating our commitment to fighting for full compensation even in complex cases.

As client Chavodrian Miles shared: “Leonor got me into the doctor the same day…it only took 6 months amazing.” This level of responsiveness is what you can expect when you call Attorney911.

18-Wheeler and Trucking Accidents in Simonton

With major highways like I-10 and Highway 6 running through Fort Bend County, trucking accidents are a serious concern for Simonton residents. In 2024, Texas saw 39,393 commercial motor vehicle crashes, resulting in 608 fatalities and 1,601 serious injuries. Texas accounts for 11% of all fatal truck crashes nationwide.

Trucking accidents are particularly dangerous due to:

The massive size and weight of commercial trucks (up to 80,000 lbs)
Limited visibility and blind spots
Longer stopping distances
Potential for catastrophic mechanical failures

At Attorney911, we have extensive experience handling trucking accident cases. Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas, which is crucial for handling complex trucking cases that often involve federal regulations.

Our firm is one of the few in Texas to be involved in BP explosion litigation, demonstrating our capability to take on billion-dollar corporations. We’ve recovered millions for families facing trucking-related wrongful death cases, and we bring this same level of determination to every case we handle.

Drunk Driving Accidents in Simonton

Drunk driving remains a serious problem in Texas, with 1,053 alcohol-impaired driving deaths in 2024, accounting for 25.37% of all traffic fatalities. In Fort Bend County, these preventable accidents can occur on any road, from rural routes to busy intersections.

Texas has strong dram shop laws (Texas Alcoholic Beverage Code § 2.02) that allow victims to hold establishments accountable when they serve obviously intoxicated patrons. Signs of obvious intoxication include:

Slurred speech
Bloodshot or glassy eyes
Unsteady gait or stumbling
Strong odor of alcohol
Aggressive or erratic behavior
Difficulty counting money or handling objects

Ralph Manginello’s membership in the Harris County Criminal Lawyers Association (HCCLA) gives us unique insight into handling cases that involve both criminal charges (like DWI) and civil claims. We’ve successfully had multiple DWI cases dismissed, demonstrating our investigation skills that can strengthen your civil case.

Motorcycle Accidents in Simonton

Motorcycle accidents are particularly devastating, with Texas seeing 585 motorcyclist fatalities in 2024. While Simonton may not have the same traffic volume as Houston, rural roads like FM 1489 and Highway 36 can be dangerous for riders, especially when drivers fail to yield or check blind spots.

Texas law requires helmets for riders under 21, but those 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 injury by 69%, making them a crucial safety measure.

Common causes of motorcycle accidents in Simonton include:

Drivers failing to yield right of way
Distracted driving
Unsafe lane changes
Left-turn accidents
Speeding and reckless driving

Insurance companies often try to blame motorcyclists for accidents, using Texas’s 51% comparative fault rule to reduce or deny claims. Lupe Peña’s experience as a former insurance defense attorney gives us an advantage in countering these arguments.

Pedestrian Accidents in Simonton

Pedestrian accidents are disproportionately deadly, with pedestrians accounting for just 1% of Texas crashes but 19% of all roadway deaths. In 2024, Texas saw 6,095 pedestrian crashes resulting in 768 fatalities.

A critical legal point that many drivers don’t know: pedestrians ALWAYS have the right-of-way at intersections in Texas, even at unmarked crosswalks. This means that the space between two intersecting streets is legally considered a crosswalk, whether marked or not.

Common pedestrian injuries include:

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

If you’ve been struck by a vehicle while walking in Simonton, you need an attorney who understands the unique legal protections for pedestrians. Our team knows how to prove driver negligence and fight for the compensation you deserve.

What to Do After a Motor Vehicle Accident in Simonton

The 48-Hour Protocol: Protecting Your Rights

The first 48 hours after an accident are critical for preserving evidence and protecting your legal rights. Here’s what you should do:

Hour 1-6 (Immediate Crisis):

Ensure safety: Move to a secure location if possible
Call 911: Report the accident and request medical assistance
Seek medical attention: Even if you feel fine, adrenaline can mask injuries
Document everything: Take photos of vehicle damage, injuries, and the scene
Exchange information: Get the other driver’s name, insurance, and contact details
Collect witness information: Names and phone numbers of any witnesses
Call Attorney911: 1-888-ATTY-911 for immediate legal guidance

Hour 6-24 (Evidence Preservation):

Preserve digital evidence: Don’t delete any photos, videos, or messages
Secure physical evidence: Keep damaged clothing and personal items
Keep receipts: For all accident-related expenses
Request medical records: From the ER or any initial treatment
Avoid insurance calls: Don’t give recorded statements without legal advice
Make social media private: Don’t post about the accident

Hour 24-48 (Strategic Decisions):

Consult with Attorney911: Free case evaluation
Refer insurance to your attorney: “My attorney will be in touch”
Don’t accept settlement offers: Early offers are always lowball
Backup all evidence: Upload photos to cloud storage

Why Time is Critical: Evidence Deterioration Timeline

Evidence disappears quickly after an accident. Here’s what you need to know:

7-30 days: Surveillance footage from nearby businesses is typically deleted
30 days: Traffic camera footage is often overwritten
30-180 days: ELD (Electronic Logging Device) data from trucks can be overwritten
Weeks to months: Witness memories fade and become less reliable
Months: Medical records become harder to obtain
2 years: Statute of limitations expires

At Attorney911, we act immediately to preserve 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
Employers (for work-related accidents)
Property owners
Government entities

These letters legally require evidence preservation before automatic deletion.

Texas Motor Vehicle Accident Law: What Simonton 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 (Texas Civil Practice & Remedies Code § 16.003). This deadline is absolute—miss it, and your case is barred forever.

Exceptions:

Discovery Rule: The 2-year clock may start when you discover an injury, not when the accident occurred
Minors: The clock doesn’t start until the child turns 18
Government Claims: Special notice requirements (often 6 months)

Comparative Negligence: The 51% Bar Rule

Texas uses a modified comparative negligence system. This means:

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

Example:

$100,000 case value
You’re 20% at fault
You recover $80,000 (100,000 – 20%)

Insurance companies always try to assign maximum fault to victims. Lupe Peña’s experience as a former insurance defense attorney gives us an advantage in countering these arguments.

Minimum Auto Insurance Requirements in Texas

Texas requires all drivers to carry minimum insurance coverage:

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

However, 15.4% of Texas drivers are uninsured. That’s why Uninsured/Underinsured Motorist (UM/UIM) coverage is crucial. Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on your policy.

Proving Liability in Your Simonton Accident Case

To win your case, we must prove four elements of negligence:

Duty of Care: The other driver had a legal obligation to drive safely
Breach of Duty: They violated that duty through action or inaction
Causation: Their breach directly caused your injuries
Damages: You suffered actual harm (physical, financial, emotional)

Types of Evidence We Use

Physical Evidence:

Vehicle damage photographs
Skid marks and road damage
Damaged personal property
Weather and road condition documentation

Documentary Evidence:

Police accident report
911 call recordings
Traffic and surveillance camera footage
Medical records and bills
Employment records (for lost wages)

Electronic Evidence:

ELD data from commercial trucks
Vehicle black box/EDR data
GPS and telematics data
Dashcam footage
Cell phone records

Testimonial Evidence:

Witness statements
Expert witness testimony
Medical expert opinions
Accident reconstruction analysis

Understanding Your Compensation: What’s Your Simonton Accident Case Worth?

Types of Damages You Can Recover

Economic Damages (No Cap in Texas):

Medical expenses (past and future)
Lost wages and earning capacity
Property damage
Out-of-pocket expenses

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

Pain and suffering
Mental anguish
Physical impairment
Disfigurement
Loss of enjoyment of life
Loss of consortium

Punitive/Exemplary Damages (Capped):

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

Settlement Ranges by Injury Type

Soft Tissue Injuries (Whiplash, Sprains, Strains):

Medical treatment: $6,000-$16,000
Lost wages: $2,000-$10,000
Pain and suffering: $8,000-$35,000
Settlement range: $15,000-$60,000

Broken Bone (Simple Fracture):

Medical treatment: $10,000-$20,000
Lost wages: $5,000-$15,000
Pain and suffering: $20,000-$60,000
Settlement range: $35,000-$95,000

Broken Bone (Requiring Surgery):

Medical treatment: $47,000-$98,000
Lost wages: $10,000-$30,000
Pain and 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 and suffering: $40,000-$100,000
Settlement range: $70,000-$171,000

Herniated Disc (Surgery Required):

Medical treatment: $96,000-$205,000
Future medical: $30,000-$100,000
Lost wages: $20,000-$50,000
Lost earning capacity: $50,000-$400,000
Pain and suffering: $150,000-$450,000
Settlement range: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe):

Medical treatment: $198,000-$638,000
Future medical: $300,000-$3,000,000+
Lost wages: $50,000-$200,000
Lost earning capacity: $500,000-$3,000,000+
Pain and suffering: $500,000-$3,000,000+
Settlement range: $1,548,000-$9,838,000

Spinal Cord Injury/Paralysis:

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

Amputation:

Medical treatment: $170,000-$480,000
Future prosthetics: $500,000-$2,000,000
Settlement range: $1,945,000-$8,630,000

Wrongful Death:

Funeral expenses: $10,000-$20,000
Medical expenses before death: $50,000-$500,000
Lost financial support: $1,000,000-$4,000,000
Non-economic damages: $850,000-$5,000,000
Settlement range: $1,910,000-$9,520,000

Factors That Increase Case Value

Clear liability (other driver 100% at fault)
Severe injuries requiring surgery
Permanent disability or impairment
High medical bills
Significant lost wages or earning capacity
Sympathetic plaintiff (young, family-oriented)
Egregious defendant conduct (drunk driving, hit and run)
Strong evidence (video, multiple witnesses)

Factors That Decrease Case Value

Disputed liability
Gaps in medical treatment
Pre-existing conditions
Social media activity showing physical capability
Recorded statements to insurance
Delayed attorney hiring

Insurance Company Tactics: How They Try to Minimize Your Claim

Lupe Peña spent years working for a national insurance defense firm, learning firsthand how large insurance companies value claims. Now he uses that knowledge to fight for victims. Here are the tactics insurance companies use—and how Attorney911 counters them:

Tactic #1: Quick Contact and Recorded Statement

What They Do:
Within hours or days of your accident, an insurance adjuster will contact you, often while you’re still in the hospital or on pain medication. They’ll sound friendly and helpful, saying things like:

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

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

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

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

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

Lupe knows their questions because he asked them for years—now he defeats them.

Tactic #2: Quick Settlement Offer

What They Do:
Within days or weeks of your accident, the insurance company may offer you a quick settlement, typically between $2,000-$15,000. They’ll 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. 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

Example of the Trap:

Day 3: Insurance offers $3,500 “final settlement”
You sign the release (thinking it’s over)
Week 6: MRI shows herniated disc requiring surgery ($100,000 cost)
TOO LATE: You signed the release, can’t reopen the claim
You pay $100,000 out of pocket

How Attorney911 Counters:
NEVER settle before reaching Maximum Medical Improvement (MMI). We know these offers are always lowball—Lupe calculated them for years. We fight for what your case is truly worth.

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

What They Call It:
“Independent Medical Examination”

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

How They Choose IME Doctors:
Insurance companies 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 the 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

Tactic #4: Delay and Financial Pressure

What They Do:
Insurance companies 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:
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 lawsuits to force deadlines
We set depositions, forcing them to produce witnesses
We prepare for trial, showing we’re serious
Lupe understands delay tactics because he used them—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 also monitor ALL your social media:

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

Examples We’ve Defended:

Example	What Happened	Insurance Claimed	Reality
Old 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 Clients:

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

Lupe’s Insider Quote:

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

Tactic #6: Comparative Fault Arguments

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

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

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

If you’re 51%+ 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 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:

Accident reconstruction to prove 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

Tactic #7: Colossus Software and Claim Valuation

How Insurance Companies ACTUALLY Value Your Claim:

Lupe knows this from the inside—he used these systems for years.

Colossus Software System:
Used by Allstate, State Farm, Liberty Mutual, and others, Colossus is a computerized claim valuation system:

Adjuster inputs injury codes, treatment types, medical costs, lost wages, jurisdiction
Software applies algorithms to determine “value”
System outputs recommended settlement range
Adjuster typically cannot exceed without supervisor approval

How They Manipulate Colossus:

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

Why Lupe’s Experience Matters:

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

Reserve Setting:
What reserves are: Money the insurance company sets aside for your claim, based on their estimate of trial verdict
Why it matters: Adjuster usually CANNOT settle for more than reserve without approval

How we increase reserves:

Hiring experts (shows we’re investing in the case)
Taking depositions (creating 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.

Tactic #8: Medical Authorization Trap

What They Do:
The insurance company sends you a medical authorization form, saying:

“We need your medical records to process your claim”
“This is routine, everyone signs this”
“We can’t evaluate your claim without it”

What They’re Really Doing:
They want unlimited access to your ENTIRE medical history—decades of records—to find pre-existing conditions to use against you:

Arthritis from 10 years ago
Back pain from 2005
Any medical condition ever documented

Using Old Injuries Against You:

“Your back pain isn’t from this accident—you had back pain in 2010”
“Your neck injury is pre-existing—you saw a chiropractor in 2015”
“Your headaches are from a prior concussion, not this accident”
Ignoring that the accident AGGRAVATED your pre-existing condition

The Truth:

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

How Attorney911 Counters:
We limit medical authorizations to:

Only accident-related records
Specific date ranges
Specific providers
Attorney reviews ALL authorizations before you sign

We explain pre-existing conditions properly:

Hire medical experts to explain aggravation
“Before accident: mild occasional back pain. After accident: severe constant pain requiring surgery.”
Document the DIFFERENCE
Prove causation through medical testimony

Lupe knows this tactic—he requested broad authorizations for years. He knows what they’re searching for and how to protect your privacy.

Tactic #9: Gaps in Treatment Attack

What They Do:
Insurance companies scrutinize your medical records for any gaps in treatment:

Missed one physical therapy appointment?
Two weeks between doctor visits?
Stopped treatment for a month?
They pounce.

Their Arguments:

“If you were really hurt, you wouldn’t miss treatment”
“Gap in treatment shows you’re not really injured”
“You must have felt better—that’s why you stopped going”
“Injuries can’t be that serious if you’re not treating consistently”

Why Gaps Happen (Legitimate Reasons):

Couldn’t afford copays
Couldn’t get time off work
Transportation issues
Doctor was booked out
Insurance denied treatment
COVID-19 lockdown
Family emergency

Insurance Doesn’t Care About Reasons:

They just see the gap
Use it to minimize your claim
Argue injuries “resolved” during the gap
Reduce settlement value

How Attorney911 Counters:
We document reasons for gaps:

Get your explanation in writing
Obtain supporting documentation
Show the gap was beyond your control
Prove injuries didn’t resolve

We ensure consistent treatment:

Help you find doctors who accept liens (treat now, pay from settlement)
Connect you with transportation if needed
Coordinate appointments around your work schedule
Prevent gaps before they happen

We explain gaps to insurance/jury:

“Client couldn’t afford $50 copays while unable to work”
“Doctor was booked out 6 weeks—not client’s fault”
“COVID-19 shut down the physical therapy clinic”
Legitimate explanations that juries understand

Lupe knows this attack—he used gaps to minimize claims for years. He knows which explanations insurance accepts and how to document around gaps.

Tactic #10: Policy Limits Bluff

What They Do:
The insurance company claims limited coverage:

“We only have $30,000 in coverage”
“That’s the policy limit—we can’t pay more”
“Take it or leave it”
Hope you don’t investigate further

What They’re Hiding:

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

Why They Hide Coverage:

Hoping you’ll settle for minimum limits
Saving millions in additional coverage
Betting you won’t hire an attorney to investigate
Most people don’t know to look for additional policies

How Attorney911 Counters:
We investigate ALL available coverage:

Demand full policy disclosure
Subpoena insurance files if necessary
Search for umbrella policies
Identify corporate coverage
Find employer policies
Discover parent company coverage

We file lawsuits to force disclosure:

Discovery process reveals hidden policies
Depositions of insurance representatives
Document requests for all policies
Can’t hide coverage in litigation

Lupe’s insurance knowledge finds hidden policies:

He knows the coverage structures insurance companies use
Knows where umbrella policies hide
Knows how to identify corporate coverage
Spent years evaluating multi-layer coverage
Finds policies other attorneys miss

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

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

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

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

This is why hiring an attorney who investigates ALL coverage matters.

Medical Knowledge: Understanding Your Injuries

At Attorney911, we understand that legal knowledge isn’t enough—we need to understand the medical reality of your injuries. This helps us:

Connect your injuries to the accident
Explain why certain injuries happen in certain accidents
Fight insurance companies’ attempts to minimize your injuries
Secure the full compensation you deserve

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:
Immediate Symptoms (At Accident Scene or Within Hours):

Loss of consciousness (even brief)
Conf