Car Accident Lawyers in Troy, Texas – Attorney911 Fights for You

If you’ve been injured in a car accident in Troy, Texas, you’re not alone. With a crash occurring every 57 seconds in Texas and over 250,000 people injured annually, car accidents are a constant threat on our roads. At Attorney911, we understand the physical, emotional, and financial toll a serious accident can take. Our Troy car accident lawyers are here to fight for the compensation you deserve while you focus on healing.

Ralph Manginello, our managing partner with over 25 years of experience, leads our team in protecting accident victims’ rights. We know the Troy area roads and courts, and we’re prepared to take on insurance companies that try to minimize your claim. Don’t let the insurance adjuster pressure you into accepting less than you deserve – call our legal emergency line at 1-888-ATTY-911 for immediate help.

The Reality of Car Accidents in Troy and Bell County

Car accidents are a daily reality in Troy and throughout Bell County. With major highways like I-35 running through the region and local roads connecting our communities, the risk of serious collisions is ever-present. In 2024 alone, Texas saw:

• 1 crash every 57 seconds
• 1 person injured every 2 minutes and 5 seconds
• 4,150 fatalities across the state
• 251,977 people injured in motor vehicle crashes

These aren’t just statistics – they represent real people whose lives are forever changed by preventable accidents. Whether you were rear-ended on Main Street, involved in a T-bone collision at a busy Troy intersection, or injured in a rollover on I-35, our Troy car accident attorneys have the experience to handle your case.

Common Causes of Car Accidents in Troy

Understanding the common causes of car accidents can help you recognize when another driver’s negligence led to your injuries. In Troy and surrounding Bell County, our attorneys frequently see accidents caused by:

Distracted Driving

With 380 deaths in Texas attributed to distracted driving in 2024, this remains one of the leading causes of accidents. Texting, using navigation apps, eating, or even talking to passengers can take a driver’s attention off the road. In the time it takes to read a text message (about 5 seconds), a car traveling at 55 mph can cover the length of a football field – completely blind.

Speeding

Excessive speed reduces reaction time and increases the severity of collisions. Many Troy drivers underestimate the dangers of speeding on local roads, where pedestrians, cyclists, and unexpected stops are common.

Failure to Yield

Intersections in Troy and throughout Bell County see numerous accidents due to drivers failing to yield the right of way. This is especially dangerous when larger vehicles like trucks or SUVs are involved.

Running Red Lights

Red light running is a persistent problem that leads to devastating T-bone collisions. These accidents often result in serious injuries due to the direct impact on the side of a vehicle, where there’s less protection than the front or rear.

Following Too Closely

Tailgating reduces the time available to react to sudden stops, leading to rear-end collisions. These are particularly common on highways like I-35 and in heavy traffic areas.

Driving Under the Influence

Despite strict laws, drunk driving remains a significant problem in Texas, accounting for 25.37% of all traffic fatalities. Alcohol impairs judgment, reaction time, and coordination – a deadly combination on the road.

Weather Conditions

While Troy enjoys relatively mild weather, sudden rain showers can create hazardous road conditions. Many drivers fail to adjust their speed or following distance when roads are wet, leading to preventable accidents.

Vehicle Defects

Mechanical failures like brake malfunctions, tire blowouts, or steering issues can cause accidents even when the driver is being careful. In these cases, manufacturers or maintenance providers may share liability.

Common Injuries from Car Accidents

The injuries sustained in car accidents can range from minor to catastrophic. Even seemingly minor accidents can cause serious injuries that aren’t immediately apparent. Our Troy car accident lawyers have helped clients recover compensation for:

Whiplash and Soft Tissue Injuries

Whiplash is one of the most common car accident injuries, particularly in rear-end collisions. The rapid back-and-forth movement of the neck can damage muscles, ligaments, and tendons. While often dismissed as minor, whiplash can lead to chronic pain and long-term complications.

Herniated or Bulging Discs

The force of a collision can cause the discs between your vertebrae to rupture or bulge, pressing on nerves and causing severe pain. Herniated discs often require extensive treatment, including physical therapy, epidural injections, or even surgery.

Broken Bones and Fractures

The impact of a car accident can easily break bones, particularly in the arms, legs, ribs, and pelvis. Some fractures may require surgery with metal plates, screws, or rods to stabilize the bone.

Traumatic Brain Injuries (TBI)

Even a minor impact can cause the brain to collide with the skull, resulting in a traumatic brain injury. TBIs can range from mild concussions to severe, life-altering injuries with permanent cognitive impairment.

Spinal Cord Injuries

Damage to the spinal cord can result in partial or complete paralysis. These injuries often require lifetime medical care and can dramatically change a person’s quality of life.

Internal Organ Damage

The force of a collision can cause internal bleeding or damage to organs like the liver, spleen, kidneys, or lungs. Internal injuries may not be immediately apparent but can be life-threatening if not treated promptly.

Facial Injuries and Scarring

Broken glass, airbag deployment, or impact with the steering wheel can cause facial fractures, lacerations, and permanent scarring. These injuries often require reconstructive surgery.

Psychological Injuries

The emotional trauma of a car accident can be just as debilitating as physical injuries. Many accident victims develop post-traumatic stress disorder (PTSD), anxiety, depression, or a fear of driving.

Why Insurance Companies Are Already Against You

After an accident, you might expect the at-fault driver’s insurance company to help you. Unfortunately, the opposite is true. Insurance companies are for-profit businesses, and their primary goal is to minimize payouts – not to ensure you receive fair compensation.

Lupe Peña, our associate attorney, spent years working for a national insurance defense firm. He knows their tactics firsthand because he used them. Now, he uses that insider knowledge to fight FOR accident victims, not against them.

The Insurance Company Playbook

Insurance companies have a well-developed playbook for minimizing claims. Here’s what they’re doing while you’re recovering from your injuries:

1. Quick Contact and Recorded Statements

Within hours or days of your accident, an insurance adjuster will contact you. They’ll sound friendly and concerned, but their goal is to get you to say something that can be used against you.

They might ask:

• “You’re feeling better now, right?” (Hoping you’ll say yes)
• “It wasn’t that bad of an impact, was it?” (Trying to minimize the severity)
• “You were able to walk away from the scene?” (Suggesting your injuries aren’t serious)
• “Were you distracted at all?” (Trying to shift blame)

What they don’t tell you: You are NOT required to give a recorded statement to the other driver’s insurance company. Anything you say can and will be used against you.

2. Quick Settlement Offers

Insurance companies often make lowball settlement offers within days or weeks of an accident. These offers might sound good when you’re facing mounting medical bills and lost wages, but they’re designed to take advantage of your financial desperation.

The trap: If you accept a quick settlement, you waive your right to pursue additional compensation – even if you later discover your injuries are more serious than you initially thought.

3. “Independent” Medical Exams (IMEs)

If you don’t accept their lowball offer, insurance companies will often require you to submit to an “independent” medical examination. In reality, these exams are conducted by doctors hired and paid by the insurance company.

These doctors are trained to:

• Minimize your injuries
• Attribute your symptoms to pre-existing conditions
• Claim your treatment has been excessive
• Suggest you can return to work immediately

Lupe’s insider knowledge: He knows which doctors insurance companies favor because he hired them himself when he worked for the defense. Now, he knows how to counter their biased reports.

4. Delay and Financial Pressure

Insurance companies know that the longer they delay your claim, the more financial pressure you’ll feel. They’ll take weeks to respond to simple requests, hoping you’ll become desperate enough to accept a low settlement.

While they’re delaying:

• Your medical bills are piling up
• You might be unable to work
• Your financial situation is becoming more precarious
• You’re more likely to accept whatever they offer

The truth: Insurance companies have unlimited time and resources. They earn interest on your settlement money while they delay.

5. Surveillance and Social Media Monitoring

Insurance companies routinely hire private investigators to follow accident victims. They’ll monitor your activities, hoping to catch you doing something that contradicts your injury claims.

They’ll also scour your social media profiles for:

• Photos that show physical activity
• Posts about your daily life
• Check-ins at locations
• Comments from friends or family

What they don’t tell you: Even innocent activities can be taken out of context. A photo of you smiling at a family gathering doesn’t mean you’re not in pain.

6. Comparative Fault Arguments

In Texas, the 51% bar rule means that if you’re found to be more than 50% at fault for an accident, you can’t recover any compensation. Insurance companies know this and will do everything they can to shift blame onto you.

They might argue:

• You were speeding
• You weren’t paying attention
• You could have avoided the accident
• You were distracted

Lupe’s advantage: He knows how insurance companies build these arguments because he built them himself. Now, he uses that knowledge to counter their claims.

How Attorney911 Counters Insurance Tactics

At Attorney911, we don’t just react to insurance company tactics – we anticipate them. Here’s how we protect our clients:

Immediate Action

We move quickly to preserve evidence before it disappears. Within 24 hours of being retained, we send preservation letters to:

• The other driver and their insurance company
• Trucking companies (for commercial vehicle accidents)
• Businesses near the accident scene (for surveillance footage)
• Employers (for employment records)
• Property owners (for security camera footage)
• Government entities (for traffic camera footage)
• Vehicle manufacturers (for black box data)

Why this matters: Evidence disappears quickly. Surveillance footage is typically deleted within 7-30 days. ELD (electronic logging device) data from trucks can be overwritten in 30-180 days. Witness memories fade. We act fast to secure critical evidence.

Expert Guidance

We prepare our clients for every interaction with insurance companies. If a recorded statement becomes absolutely necessary, we:

• Prepare you thoroughly
• Are present during the statement
• Ensure the questions are fair and relevant

Thorough Investigation

Our team conducts a comprehensive investigation to build the strongest possible case. This includes:

• Obtaining and analyzing police reports
• Interviewing witnesses
• Reviewing medical records
• Consulting with accident reconstruction experts
• Examining vehicle damage
• Analyzing electronic data (black boxes, ELDs, cell phone records)

Medical Documentation

We work with your healthcare providers to ensure your injuries are thoroughly documented. This includes:

• Detailed medical records
• Expert opinions on prognosis and future treatment needs
• Documentation of how your injuries affect your daily life

Negotiation and Litigation

We don’t accept lowball offers. We prepare every case as if it’s going to trial, which gives us leverage in negotiations. Our multi-million dollar results prove that insurance companies know we’re not bluffing.

Why Choose Attorney911 for Your Troy Car Accident Case?

When you’re injured in a car accident, you need more than just a lawyer – you need a legal team with the experience, resources, and dedication to fight for maximum compensation. Here’s what sets Attorney911 apart:

1. Insurance Defense Insider Knowledge

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

This insider knowledge is Attorney911’s biggest competitive advantage. Lupe spent years working FOR insurance companies, learning:

• How they calculate claim values
• What tactics they use to minimize payouts
• Which doctors they hire for “independent” medical exams
• How they build cases against accident victims

Now, he uses that knowledge to fight FOR you, not against you.

2. Multi-Million Dollar Results

Our track record speaks for itself. We’ve recovered millions for accident victims, including:

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

“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”

“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”

These results prove that we don’t settle for less than our clients deserve.

3. Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas. This federal court experience is crucial for complex cases, including:

• Trucking accidents (FMCSA regulations are federal)
• Cases against large corporations
• Multi-district litigation

Our firm was also one of the few involved in BP explosion litigation, demonstrating our ability to take on billion-dollar corporations.

4. Personal Attention

At Attorney911, you’re not just another case number. As client Chad Harris said:

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

We provide the personal attention that large, high-volume firms can’t match. You’ll work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers.

5. Contingency Fee – No Risk to You

We work on a contingency fee basis, which means:

• You pay nothing upfront
• We don’t get paid unless we win your case
• Our fee is a percentage of your recovery
• You face no financial risk

As client Glenda Walker shared:

“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.”

What Our Clients Say About Attorney911

Don’t just take our word for it. Here’s what our clients say about their experience with Attorney911:

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

“I was rear-ended and the team got right to work…I also got a very nice settlement.” – MONGO SLADE

“I lost everything… my car was at a total loss and because of Attorney Manginello and my case worker Leonor… 1 year later I have gained so much in return plus a brand new truck.” – Kiimarii Yup

“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

“They went above and beyond! Special thank you to Ralph and Leanor.” – Diane Smith

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

“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

The 48-Hour Evidence Preservation Protocol

After a car accident, time is of the essence. Evidence disappears quickly, and insurance companies are already building their case against you. Here’s what you should do in the first 48 hours:

Hour 1-6: Immediate Crisis Response

✅ 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. Even if you feel fine, it’s important to get checked out – 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 (do NOT delete anything)

✅ Exchange Information:

• Other driver’s name, phone number, and 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
• 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, and 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, or 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 and family not to tag you in posts

Hour 24-48: Strategic Decisions

✅ Legal Consultation:

• Speak with an experienced car 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:

• Do NOT 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

Week One Priorities

✅ Medical Follow-Up:

• Continue documenting all injuries
• See specialists if recommended
• Follow ALL doctor recommendations (insurance companies watch for gaps in treatment)
• Get written work restrictions if needed

✅ Investigation Begins:

• Attorney obtains police report
• Preservation letters sent to all parties
• Surveillance footage secured before deletion
• Witness statements recorded

✅ Communication:

• Attorney handles ALL insurance communication
• You focus on recovery
• Document any pressure from insurance or other parties

Texas Car Accident Law: What You Need to Know

Understanding Texas car accident law is crucial for protecting your rights. Here are the key legal concepts that will affect your case:

Statute of Limitations

In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit. This deadline is absolute – miss it, and you lose your right to compensation forever.

Exceptions:

• If the victim is a minor, the 2-year clock starts when they turn 18
• If the defendant leaves Texas, the clock may be paused
• In rare cases, the “discovery rule” may extend the deadline if injuries weren’t immediately apparent

Comparative Negligence: The 51% Bar Rule

Texas follows a “modified comparative negligence” rule. 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:

• If you’re 20% at fault in a $100,000 case, you recover $80,000
• If you’re 40% at fault in a $500,000 case, you recover $300,000
• If you’re 51% at fault in any case, you recover $0

Insurance companies will try to blame you to reduce their payout. Lupe’s insider knowledge helps us counter these arguments effectively.

Texas Minimum Auto Insurance Requirements

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

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

Problem: These minimums are often insufficient to cover serious injuries. Many drivers also carry no insurance or insufficient coverage.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

UM/UIM coverage protects you when:

• The at-fault driver has no insurance
• The at-fault driver’s insurance is insufficient to cover your damages
• You’re the victim of a hit-and-run accident

Texas allows “stacking” of UM/UIM policies, which can significantly increase your available coverage.

Dram Shop Liability

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

Signs of obvious intoxication:

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

Wrongful Death Claims

If a loved one was killed in a car accident, surviving family members may file a wrongful death claim. These claims can recover compensation for:

• Loss of financial support
• Loss of companionship and love
• Mental anguish
• Funeral and burial expenses

Types of Damages You Can Recover

If you’ve been injured in a car accident, you may be entitled to compensation for:

Economic Damages (No Cap in Texas)

• Medical expenses (past and future): Hospital bills, doctor visits, physical therapy, medications, medical equipment
• Lost wages: Income lost due to time off work
• Lost earning capacity: 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)

• Pain and suffering: Physical pain from your injuries
• Mental anguish: Emotional distress, anxiety, depression
• Physical impairment: Loss of physical function or disability
• Disfigurement: Scarring or permanent visible injuries
• Loss of consortium: Impact on your marriage and family relationships
• Loss of enjoyment of life: Inability to participate in activities you previously enjoyed

Punitive/Exemplary Damages (Capped)

In cases of gross negligence or malice, you may be entitled to punitive damages. These are designed to punish the defendant and deter similar conduct. In Texas, punitive damages are capped at the greater of:

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

How Much Is Your Car Accident Case Worth?

The value of your car accident case depends on several factors:

Injury Severity

More severe injuries generally result in higher compensation. Factors include:

• Type of injury (TBI, spinal cord, broken bones, etc.)
• Permanent disability or impairment
• Need for future medical treatment
• Impact on daily life and activities

Medical Treatment

The amount and type of medical treatment you receive affects your case value:

• Emergency room visits
• Hospital stays
• Surgeries
• Physical therapy
• Medications
• Future treatment needs

Lost Income

Your compensation may include:

• Wages lost due to time off work
• Reduced earning capacity if you can’t return to your previous job
• Lost benefits (retirement contributions, bonuses, etc.)

Liability

Clear liability (the other driver was 100% at fault) increases your case value. Comparative negligence (if you share some fault) reduces it.

Insurance Coverage

The amount of available insurance coverage affects your potential recovery:

• At-fault driver’s liability policy
• Your own UM/UIM coverage
• Umbrella policies
• Multiple liable parties (increases available coverage)

Settlement Ranges by Injury Type

While every case is unique, here are general settlement ranges for common car accident injuries:

Injury Type	Settlement Range
Soft tissue injuries (whiplash, sprains)	$15,000 – $60,000
Broken bones (simple fractures)	$35,000 – $95,000
Broken bones requiring surgery	$132,000 – $328,000
Herniated disc (conservative treatment)	$70,000 – $171,000
Herniated disc requiring surgery	$346,000 – $1,205,000
Traumatic brain injury (moderate to severe)	$1,548,000 – $9,838,000
Spinal cord injury/paralysis	$4,770,000 – $25,880,000
Amputation	$1,945,000 – $8,630,000
Wrongful death	$1,910,000 – $9,520,000

Remember: These ranges are general guidelines. The actual value of your case depends on the specific circumstances. Our Troy car accident lawyers will evaluate your case and fight for maximum compensation.

Common Car Accident Scenarios in Troy

Car accidents can happen in many ways, each with unique legal considerations. Here are some common scenarios we handle in Troy:

Rear-End Collisions

Rear-end collisions are among the most common types of car accidents. They often occur when:

• A driver is following too closely
• A driver is distracted (texting, adjusting the radio, etc.)
• A driver fails to notice stopped traffic

Common injuries: Whiplash, herniated discs, back injuries, head injuries

Liability: In most cases, the rear driver is presumed to be at fault. However, there are exceptions, such as when the front driver suddenly reverses or has non-functioning brake lights.

T-Bone/Intersection Accidents

T-bone accidents (also called side-impact collisions) occur when one vehicle strikes the side of another. They’re particularly dangerous because the side of a vehicle offers less protection than the front or rear.

Common causes:

• Running red lights or stop signs
• Failing to yield the right of way
• Distracted driving
• Impaired driving

Common injuries: Head injuries, broken bones, internal injuries, spinal cord injuries

Liability: Determining fault in T-bone accidents often requires careful investigation of traffic signals, witness statements, and vehicle damage.

Head-On Collisions

Head-on collisions are among the most severe types of car accidents, often resulting in catastrophic injuries or fatalities.

Common causes:

• Wrong-way driving
• Crossing the center line
• Distracted driving
• Impaired driving
• Falling asleep at the wheel

Common injuries: Traumatic brain injuries, spinal cord injuries, broken bones, internal injuries

Liability: In most cases, the driver who crossed into oncoming traffic is at fault. However, other factors like road design or vehicle defects may contribute to liability.

Rollover Accidents

Rollover accidents occur when a vehicle tips onto its side or roof. They’re particularly common with SUVs and other high-center-of-gravity vehicles.

Common causes:

• Speeding around curves
• Tripping on road debris or curbs
• Vehicle defects (tire blowouts, suspension issues)
• Overcorrecting after drifting off the road

Common injuries: Head injuries, spinal cord injuries, broken bones, internal injuries

Liability: Determining fault in rollover accidents often involves accident reconstruction experts to analyze the vehicle’s movement and identify contributing factors.

Multi-Vehicle Pileups

Multi-vehicle pileups often occur on highways and can involve dozens of vehicles. These accidents can be particularly complex due to multiple liable parties and insurance policies.

Common causes:

• Poor weather conditions
• Speeding
• Following too closely
• Distracted driving

Common injuries: Vary widely depending on the severity of impact

Liability: Determining fault in multi-vehicle pileups often requires extensive investigation, including accident reconstruction and analysis of electronic data.

Hit-and-Run Accidents

Hit-and-run accidents occur when a driver flees the scene after causing an accident. These can be particularly frustrating for victims, but you still have options for recovery.

Common injuries: Vary depending on the type of accident

Recovery options:

• Your own uninsured motorist (UM) coverage
• Other liable parties (if applicable)
• Identifying the at-fault driver through investigation

What to do: Call the police immediately and provide as much information as possible about the fleeing vehicle. Then call Attorney911 at 1-888-ATTY-911 – we’ll help you navigate the claims process.

Other Motor Vehicle Accidents We Handle in Troy

While car accidents are the most common, our Troy motor vehicle accident lawyers handle all types of accidents:

Trucking Accidents

Trucking accidents often result in catastrophic injuries due to the size and weight of commercial vehicles. These cases are complex due to multiple liable parties and federal regulations.

Motorcycle Accidents

Motorcycle accidents frequently result in serious injuries due to the lack of protection. Insurance companies often try to blame motorcyclists, but we know how to counter these arguments.

Pedestrian Accidents

Pedestrians are particularly vulnerable in accidents. In Texas, pedestrians generally have the right of way at intersections, even unmarked ones.

Bicycle Accidents

Like pedestrians, cyclists are vulnerable to serious injuries in accidents. We help cyclists recover compensation for their injuries and property damage.

Rideshare Accidents (Uber/Lyft)

Rideshare accidents involve complex insurance issues due to the different coverage phases (waiting for a ride, en route to pickup, transporting passenger).

Drunk Driving Accidents

Drunk driving accidents often involve punitive damages and dram shop liability claims against the establishment that served the intoxicated driver.

Work Zone Accidents

Work zone accidents are becoming increasingly common. In 2024, Texas saw nearly 28,000 crashes in work zones, resulting in 215 deaths.

Delivery Vehicle Accidents

Accidents involving Amazon, UPS, FedEx, or other delivery vehicles can be complex due to multiple liable parties and high insurance limits.

Tesla/Autopilot Accidents

Accidents involving autonomous or semi-autonomous vehicles raise complex liability issues involving vehicle manufacturers.

Frequently Asked Questions About Car Accidents in Troy

What should I do immediately after a car accident in Troy?

If you’ve been in a car accident in Troy:

1. Call 911 and report the accident
2. Seek medical attention, even if you feel fine
3. Document everything with photos and videos
4. Exchange information with the other driver
5. Get witness contact information
6. Do NOT give a recorded statement to any insurance company
7. Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance

Should I call the police even for a minor accident?

Yes. Always call the police after an accident. The police report is critical evidence for your claim. In Texas, you must report accidents with injuries, deaths, or property damage over $1,000.

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.

What information should I collect at the scene?

Collect as much information as possible:

• 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

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

How do I obtain a copy of the accident report?

In Troy, you can obtain the police report from the responding agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

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.

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.

Do I have to accept the insurance company’s estimate?

No. Their estimate is just an offer. It’s usually far below actual value. Attorney911 fights for what your case is really worth.

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.

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 – the defendant takes you as they find you.

Do I need a lawyer for a car accident?

While not every accident requires an attorney, having legal representation can significantly increase your compensation. Insurance companies take claims more seriously when an attorney is involved.

When should I hire a car accident lawyer?

Immediately. Evidence disappears daily. Insurance companies start building their case against you from day one. Call Attorney911 at 1-888-ATTY-911 as soon as possible.

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.

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

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.

Will my case go to trial?

Most cases settle before trial. But Attorney911 prepares every case as if it’s going to trial. This gives us leverage in negotiations.

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 or 18-24 months for serious injuries.

What is the legal process step-by-step?

1. Investigation and evidence gathering
2. Medical treatment to MMI
3. Demand letter to insurance
4. Negotiation
5. Lawsuit if necessary
6. Discovery
7. Mediation
8. Trial if needed

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

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

Can I get compensation for pain and suffering?

Yes. Pain and suffering is a significant component of personal injury cases in Texas. There is NO CAP on pain and suffering (except medical malpractice).

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.

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 specific advice.

How is the value of my claim determined?

Based on:

• Medical bills
• Future treatment costs
• Lost income
• Permanent impairment rating
• Comparable verdicts
• Severity of injuries
• Impact on daily life

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.

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.

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.”

Who will actually handle my case?

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

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.”

What if I’m an undocumented immigrant – can I still file a claim?

YES. Immigration status does NOT affect your right to compensation for injuries. You’re entitled to full recovery regardless of immigration status. Your case is confidential.

What if the accident happened in a parking lot?

Parking lot accidents are fully compensable. Insurance companies often try to argue that these accidents are always 50/50 fault, but this isn’t true. We prove fault through surveillance video, witness statements, and damage analysis.

What if I was a passenger in the at-fault vehicle?

You can sue the driver even if you were riding with them (friend, family member, Uber driver). You’re an innocent victim. The driver’s insurance covers passengers.

What if the other driver died in the accident?

You can still pursue a claim against the deceased driver’s estate and insurance. Death doesn’t eliminate liability. The insurance policy still applies.

What if the other driver is uninsured or underinsured?

Your own UM/UIM coverage can compensate you when the at-fault driver has no insurance or insufficient insurance. Texas allows inter-policy stacking, which can significantly increase your available coverage.

What if I don’t have health insurance?

We can help you find doctors who will treat you on a lien basis. This means they’ll provide treatment now and get paid from your settlement later.

Can I switch doctors if I’m not happy with my current one?

Yes. You have the right to choose your own doctor. We can help you find specialists who are experienced in treating accident-related injuries.

What if the insurance company wants me to see their doctor?

You may be required to attend an “independent” medical exam (IME) with a doctor chosen by the insurance company. However, these exams are rarely independent. The doctors are hired and paid by the insurance company to minimize your injuries.

What if the insurance company denies my claim?

We don’t accept claim denials without a fight. We’ll investigate the reasons for the denial and take appropriate legal action to challenge it.

What if I can’t work due to my injuries?

You may be entitled to compensation for lost wages and lost earning capacity. We’ll work with your employer and medical providers to document your inability to work.

What if I can’t return to my previous job?

If your injuries prevent you from returning to your previous job, you may be entitled to compensation for lost earning capacity. This accounts for the difference between what you could have earned and what you’ll be able to earn in the future.

What if I need future medical treatment?

You’re entitled to compensation for future medical expenses related to your accident injuries. We work with medical experts to estimate these costs and include them in your claim.

What if I need help around the house while I recover?

You may be entitled to compensation for household services you need while recovering. This could include help with cleaning, cooking, childcare, or other daily tasks.

What if my car was totaled?

If your car was totaled, you’re entitled to the fair market value of your vehicle before the accident. We’ll work with appraisers to ensure you receive fair compensation.

What if I’m not happy with the insurance company’s property damage estimate?

You have the right to challenge the insurance company’s property damage estimate. We can help you obtain independent appraisals and negotiate for a fair settlement.

What if the other driver was driving for work?

If the other driver was on the job at the time of the accident, their employer may share liability. This is called “respondeat superior” and can significantly increase the available insurance coverage.

What if the accident was caused by a vehicle defect?

If a vehicle defect contributed to your accident, the manufacturer may share liability. This could include defects in brakes, tires, steering, or other critical systems.

What if the accident was caused by poor road conditions?

In some cases, government entities may share liability for accidents caused by poor road conditions. However, these cases have special notice requirements and shorter deadlines.

What if I was hit by a government vehicle?

Accidents involving government vehicles have special rules. You must file notice within 6 months (much shorter than the 2-year statute of limitations). These cases are complex – you need an experienced attorney.

What if I was hit by an Amazon, UPS, or FedEx delivery vehicle?

Accidents involving delivery vehicles often involve multiple liable parties and higher insurance limits. We have experience handling these complex cases.

What if I was hit by a rideshare vehicle (Uber/Lyft)?

Rideshare accidents involve complex insurance issues due to the different coverage phases (waiting for a ride, en route to pickup, transporting passenger). We understand these complexities and can help you navigate the claims process.

What if I was hit by a drunk driver?

Drunk driving accidents often involve punitive damages and dram shop liability claims against the establishment that served the intoxicated driver. These cases can result in significantly higher compensation.

What if I was injured in a hit-and-run accident?

Hit-and-run accidents can be particularly frustrating, but you still have options for recovery. Your own uninsured motorist (UM) coverage can compensate you when the at-fault driver is unidentified.

What if I was injured while riding a motorcycle?

Motorcycle accidents frequently result in serious injuries. Insurance companies often try to blame motorcyclists, but we know how to counter these arguments and fight for fair compensation.

What if I was injured while riding a bicycle?

Like pedestrians, cyclists are vulnerable to serious injuries in accidents. We help cyclists recover compensation for their injuries and property damage.

What if I was injured as a pedestrian?

Pedestrians are particularly vulnerable in accidents. In Texas, pedestrians generally have the right of way at intersections, even unmarked ones.

What if I was injured in a work zone accident?

Work zone accidents are becoming increasingly common. In 2024, Texas saw nearly 28,000 crashes in work zones, resulting in 215 deaths. These accidents often involve complex liability issues.

What if I was injured in a Tesla or other autonomous vehicle?

Accidents involving autonomous or semi-autonomous vehicles raise complex liability issues involving vehicle manufacturers. We stay up-to-date on the latest developments in this evolving area of law.

What if I’m not sure who was at fault?

Determining fault can be complex. Our team conducts thorough investigations to identify all liable parties and build the strongest possible case.

Troy Car Accident Resources

Hospitals and Medical Centers Near Troy

• Scott & White Medical Center – Temple (Level II Trauma Center)
• Baylor Scott & White Medical Center – Round Rock
• Seton Medical Center Harker Heights

Troy Police Department

• Non-emergency number: (254) 933-5822
• For accident reports: Contact the Troy Police Department directly

Bell County Courts

• Bell County Justice of the Peace Courts (for minor claims)
• Bell County District Courts (for serious injury claims)

Texas Department of Transportation (TxDOT)

• Crash Reports: https://cris.dot.state.tx.us/
• Road Conditions: https://www.txdot.gov/inside-txdot/division/traffic/data.html

National Highway Traffic Safety Administration (NHTSA)

• Vehicle Safety Recalls: https://www.nhtsa.gov/recalls

Why Troy Residents Choose Attorney911

Troy residents choose Attorney911 because we offer:

Local Knowledge

We know the Troy area roads, courts, and insurance adjusters. When you call 1-888-ATTY-911, you’re calling a firm that understands your community.

Personal Attention

At Attorney911, you’re not just another case number. You’ll work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers.

Insurance Defense Insider

Lupe Peña’s years at a national defense firm give us an unfair advantage. He knows how insurance companies value claims because he used to calculate them himself.

Multi-Million Dollar Results

Our track record speaks for itself. We’ve recovered millions for accident victims, including cases settling in the millions.

Federal Court Experience

Ralph Manginello’s federal court admission means we can handle the most complex cases, including those against large corporations.

Contingency Fee – No Risk to You

We work on a contingency fee basis – you pay nothing unless we win your case. There’s no financial risk to you.

Call Attorney911 Today

If you’ve been injured in a car accident in Troy, Texas, don’t wait to get the legal help you need. Evidence disappears daily, and insurance companies are already building their case against you.

Call our legal emergency line at 1-888-ATTY-911 for a free consultation. We’re available 24/7 to take your call.

Remember:

• Free consultation – no obligation
• No fee unless we win your case
• We advance all case costs
• Hablamos Español
• We fight for maximum compensation

Don’t let the insurance company take advantage of you. Call Attorney911 today at 1-888-ATTY-911 and let us fight for the compensation you deserve.