Motor Vehicle Accident Lawyers in Fulton, Texas | Attorney911

If you’ve been injured in a car accident in Fulton, Texas, you’re not alone. With one crash occurring every 57 seconds in Texas and over 251,977 people injured annually, our roads are dangerous. At Attorney911, we understand the physical, emotional, and financial toll an accident can take. Founded by Ralph Manginello, who brings over 25 years of legal experience and federal court admission, our firm is here to fight for the compensation you deserve.

Fulton, nestled in Aransas County along the Texas Gulf Coast, sees its share of traffic incidents. Whether you’re traveling on Highway 35 or local roads, accidents can happen in an instant. Our team knows the local courts, judges, and insurance adjusters who handle claims in this area. When you call 1-888-ATTY-911, you’re reaching your neighbors – attorneys who are deeply familiar with the unique challenges faced by Fulton residents.

Why Fulton Accident Victims Choose Attorney911

We Know the Insurance Playbook – Because We Wrote It

Most law firms only know how to fight insurance companies. We know how they think because our attorney Lupe Peña spent years working for them. He understands their tactics from the inside – how they value claims, which doctors they send you to, and how they try to minimize your injuries. Now, he uses that knowledge to fight for you.

As Lupe explains: “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.”

Multi-Million Dollar Results for Fulton Residents

Our track record speaks for itself:

Multi-million dollar settlement for a client who suffered a brain injury with vision loss when a log dropped on him at a logging company
Settled in the millions for a client whose leg was injured in a car accident, leading to complications and partial amputation
Recovered millions in trucking-related wrongful death cases for families in Texas

One client, Kiimarii Yup, shared: “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.”

Federal Court Experience Matters

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

Commercial trucking accidents (FMCSA regulations are federal)
Cases against out-of-state defendants
Product liability claims against vehicle manufacturers
Catastrophic injury cases with substantial damages

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

Common Types of Motor Vehicle Accidents in Fulton, Texas

Car Accidents in Fulton

With over 251,977 people injured in Texas motor vehicle crashes annually, car accidents are the most common type of collision. In Fulton, residents may face unique risks:

Highway 35 traffic: This major route sees significant traffic, increasing the risk of collisions
Local road conditions: Fulton’s coastal location can lead to unique driving hazards
Tourist traffic: Seasonal visitors unfamiliar with local roads can contribute to accidents

Common causes of car accidents in Fulton include:

Distracted driving (380 deaths in Texas in 2024)
Speeding
Failure to yield right of way
Running red lights or stop signs
Following too closely
Driving under the influence (DUI)

Common injuries in 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

What to do after a car accident in Fulton:

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

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

18-Wheeler and Trucking Accidents

Texas leads the nation in fatal truck crashes, with 11% of all U.S. trucking fatalities occurring here. In 2024 alone, there were 39,393 commercial motor vehicle crashes in Texas, resulting in 608 fatalities and 1,601 serious injuries.

Fulton’s proximity to major highways like Highway 35 means residents are at risk for serious trucking accidents. These collisions are particularly devastating due to:

Size disparity: An 18-wheeler can weigh up to 80,000 pounds, while the average passenger car weighs about 4,000 pounds
Multiple liable parties: Truck driver, trucking company, cargo loader, vehicle manufacturer, and maintenance company may all share responsibility
Federal regulations: The Federal Motor Carrier Safety Administration (FMCSA) sets strict rules for truck drivers and companies

FMCSA regulations we investigate:

Hours of Service (HOS): Drivers are limited to 11 hours of driving after 10 consecutive hours off duty
Electronic Logging Devices (ELD): Mandatory since 2017, these devices record driving hours and vehicle movement
Drug and alcohol testing: Commercial drivers are subject to pre-employment, random, post-accident, and reasonable suspicion testing
Vehicle maintenance: Trucking companies must maintain systematic maintenance programs

Why trucking cases often result in higher settlements:

Multiple insurance policies with higher limits ($750,000 to $5,000,000+)
Federal court experience is often required
Complex liability issues involving multiple parties
Severe injuries due to the force of impact

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. Our federal court experience and involvement in complex litigation like the BP explosion case demonstrate our capability to handle these high-stakes cases.

Drunk Driving Accidents

In 2024, there were 1,053 alcohol-impaired driving deaths in Texas, accounting for 25.37% of all traffic fatalities. Drunk driving accidents are particularly tragic because they’re 100% preventable.

Texas Dram Shop Law (TABC § 2.02):
Texas holds establishments liable if they serve alcohol to an obviously intoxicated person who then causes an accident. Signs of obvious intoxication include:

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

Potentially liable parties include:

Bars and nightclubs
Restaurants serving alcohol
Liquor stores
Event organizers
Social hosts (in limited circumstances)

Why drunk driving cases often result in higher compensation:

Punitive damages may be available for gross negligence
Multiple defendants (driver + establishment)
Criminal case can strengthen civil case
Insurance companies have difficulty defending these claims

Our firm’s criminal defense background (Ralph is a member of the Harris County Criminal Lawyers Association) gives us unique insight into these cases. We’ve successfully handled three DWI dismissals, demonstrating our investigation skills:

Breathalyzer machine improperly maintained – Case dismissed
No breath or blood test, missing hospital notes – Case dismissed day of trial
Video evidence showed client not drunk – Case dismissed

Motorcycle Accidents

In 2024, there were 585 motorcyclist fatalities in Texas, with 37% of those killed not wearing helmets. Motorcycle accidents are particularly dangerous due to the lack of protection for riders.

Texas helmet law:

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

High-risk counties for motorcycle accidents:

Harris County
Dallas County
Bexar County (San Antonio)
Tarrant County (Fort Worth)
Travis County (Austin)

Common causes of motorcycle accidents in Fulton:

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

Texas 51% comparative fault rule:
This rule is particularly important for motorcycle accidents. Insurance companies often try to blame the rider to reduce their payment. If you’re found to be 51% or more at fault, you recover nothing. If you’re 50% or less at fault, your recovery is reduced by your percentage of fault.

Lupe Peña’s experience as an insurance defense attorney is invaluable in these cases. He knows exactly how insurance companies try to shift blame to riders and can counter these arguments effectively.

Pedestrian Accidents

In 2024, there were 6,095 pedestrian crashes in Texas, resulting in 768 fatalities. Pedestrians account for only 1% of crashes but 19% of all roadway deaths, making them the most vulnerable road users.

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

Common pedestrian injuries:

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

Fulton’s pedestrian risks:

Tourist areas with increased foot traffic
Limited visibility at certain intersections
Drivers unfamiliar with local traffic patterns
Poorly maintained sidewalks or crosswalks

Rideshare Accidents (Uber/Lyft)

The rideshare industry has transformed transportation in Fulton, but it’s also created a complex insurance maze for accident victims. With 11 billion trips taken in the U.S. since 2010 and 17.4 million daily Uber trips, accidents are inevitable.

Rideshare insurance phases – what you need to know:

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

Who can be injured in rideshare accidents:

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

Why rideshare insurance is complex:
The insurance coverage varies dramatically based on what the driver was doing at the moment of the crash. This is critical for your recovery. Lupe Peña’s insurance expertise is invaluable in navigating this complexity.

Hit and Run Accidents

Hit and run accidents are particularly frustrating because the at-fault driver flees the scene. In Texas, hit and run is a crime with severe penalties:

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

What to do if you’re the victim of a hit and run in Fulton:

Call 911 and report the accident immediately
File a police report (hit and run is a criminal offense)
Seek medical attention if injured
Document everything with photos and videos
Look for witnesses who may have seen the fleeing vehicle
Check for surveillance cameras in the area
Contact Attorney911 at 1-888-ATTY-911

UM/UIM coverage is critical:
Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you when the at-fault driver is unidentified. Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on your policy.

Evidence urgency:

Surveillance footage is typically deleted within 7-30 days
Witnesses may become unreachable as time passes
The sooner you call Attorney911, the better we can preserve evidence

Tesla/Autopilot and Self-Driving Vehicle Accidents

As technology advances, so do the complexities of motor vehicle accidents. Tesla’s Autopilot and Full Self-Driving (FSD) systems have been involved in several high-profile crashes, including fatal incidents.

Notable Tesla/Autopilot crashes:

May 2016: First U.S. Autopilot fatality in Williston, FL – failed to detect white 18-wheeler
March 2018: Apple engineer Walter Huang killed – case settled April 2024
August 2025: $240M+ jury verdict against Tesla in Miami, FL

Key liability arguments in Tesla/Autopilot cases:

Marketed as safer than human drivers – Tesla’s marketing may have created unrealistic expectations
Fostered driver overconfidence – Drivers may have relied too heavily on the system
Known system limitations – Tesla knew about certain defects but didn’t adequately address them
Software updates instead of recalls – Tesla used over-the-air updates to patch issues rather than comprehensive fixes

NHTSA data on Tesla:

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

Common crash patterns with Tesla vehicles:

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

Why these cases are complex:

Product liability against a major corporation
Complex technical evidence
Evolving legal standards for autonomous vehicles
Potential federal court jurisdiction

Attorney911’s federal court experience and history of taking on billion-dollar corporations (like in the BP explosion litigation) makes us uniquely qualified to handle these complex cases.

What to Do Immediately After an Accident in Fulton

The 48-Hour Protocol – Evidence Disappears Daily

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

✅ Medical Attention: If injured, get to the ER immediately. Adrenaline masks injuries – you may be hurt and not know it yet

✅ Document Everything:

Take photos of ALL vehicle damage (every angle)
Photograph the accident scene, road conditions, traffic signals
Take photos of visible injuries
Screenshot any messages visible on your phone (do NOT delete anything)

✅ Exchange Information:

Other driver’s name, phone, address
Insurance company and policy number
Driver’s license number
License plate number
Vehicle make, model, color

✅ Witnesses:

Get names and phone numbers of any witnesses
Ask if they saw what happened
Record their statements if possible

✅ Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to ANY insurance company

Hour 6-24 (Evidence Preservation):

✅ Digital Preservation:

Preserve all texts, calls, photos, videos related to the accident
Do NOT delete anything from your phone
Screenshot everything relevant
Email copies to yourself for backup

✅ Physical Evidence:

Secure damaged clothing, glasses, personal items
Keep receipts for any expenses (towing, rental car, medications)
Do NOT repair your vehicle yet – preserve the damage

✅ Medical Records:

Request copies of all ER/hospital records
Keep all discharge paperwork
Follow up with your primary care physician within 24-48 hours

✅ Insurance Communications:

Note any calls from insurance companies
Do NOT give recorded statements yet
Do NOT sign anything
Do NOT accept any settlement offers
Say: “I need to speak with my attorney first”

✅ Social Media:

Make ALL profiles private immediately
Do NOT post about the accident
Do NOT post photos of injuries or activities
Tell friends/family not to tag you in posts

Hour 24-48 (Strategic Decisions):

✅ Legal Consultation:

Speak with experienced motor vehicle accident attorney
Call Attorney911: 1-888-ATTY-911 for free consultation
Have your documentation ready

✅ Insurance Response:

If insurance contacts you, refer them to your attorney
Say: “My attorney will be in touch with you”
Provide only basic information: name, date of accident, that you were involved

✅ Settlement Offers:

Do NOT accept or sign anything without lawyer review
Early offers are ALWAYS lowball offers
You don’t know extent of your injuries yet

✅ Evidence Backup:

Upload all screenshots and photos to cloud storage
Email copies to yourself and family member
Create written timeline of events while memory is fresh

Week One Priorities:

✅ Medical Follow-Up:

Continue documenting all injuries
See specialists if recommended
Follow ALL doctor recommendations (insurance watches for gaps)
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

Evidence Deterioration Timeline – Why Time is Critical

Timeframe	What Disappears	Why It Matters
Day 1-7	Witness memories peak then fade	Details become uncertain, witnesses harder to locate
Day 7-30	Surveillance footage deleted	Gas stations: 7-14 days, retail stores: 30 days, traffic cameras: 30 days
Month 1-2	Insurance companies solidify defense	Adjusters build their case against you, settlement position hardens
Month 2-6	Trucking ELD/black box data deleted	ELD data: 30-180 days, black box data can be overwritten
Month 6-12	Witnesses graduate, move away	Memory severely degraded, harder to locate
Month 12-24	Approaching statute of limitations	Creates pressure to settle, evidence severely degraded

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

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

These letters LEGALLY REQUIRE evidence preservation before automatic deletion.

Texas Motor Vehicle Law You Need to Know

Statute of Limitations – 2 Years to Act

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 your case is barred forever. There are limited exceptions:

Discovery Rule: The clock may start later if the injury wasn’t immediately discoverable
Minor Children: The statute is tolled until the child turns 18
Mental Incapacity: The clock is tolled during incapacity
Defendant’s Absence: If the defendant leaves Texas

Why this matters for Fulton residents:
The 2-year deadline applies whether you’re in Houston, Austin, or a small town like Fulton. Don’t wait until the last minute – evidence disappears and witnesses become harder to find as time passes.

Texas Comparative Negligence – The 51% Rule

Texas uses a modified comparative negligence system with a 51% bar:

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

How this works in practice:

Your Fault %	Case Value	Your Recovery
0%	$100,000	$100,000
10%	$100,000	$90,000
25%	$250,000	$187,500
40%	$500,000	$300,000
50%	$500,000	$250,000
51%	$500,000	$0

Why this matters:
Insurance companies ALWAYS try to assign maximum fault to you to reduce their payment. Even small fault percentages can 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

Lupe Peña’s insider knowledge is invaluable here:
He knows exactly how insurance companies try to shift blame and can counter these arguments effectively. Having a former insurance defense attorney on your side means we don’t accept their lowball fault assessments.

Texas Minimum Auto Insurance Requirements

Texas requires all drivers to carry minimum insurance coverage:

Coverage Type	Minimum Required
Bodily Injury – Per Person	$30,000
Bodily Injury – Per Accident	$60,000
Property Damage – Per Accident	$25,000

The problem with minimum coverage:

$30,000 won’t cover serious injuries
$60,000 won’t cover multiple injured people
$25,000 won’t cover modern vehicle repairs

Uninsured/Underinsured Motorist (UM/UIM) Statistics:

15.4% of U.S. motorists are uninsured (approximately 1 in 7 drivers)
Texas allows inter-policy stacking, which means you can combine UM/UIM coverage from multiple vehicles on your policy

Why this matters for Fulton residents:
UM/UIM coverage is critical for protection when the at-fault driver has no insurance or insufficient coverage. It can also cover hit-and-run accidents where the at-fault driver is unidentified.

How Insurance Companies Try to Minimize Your Claim

Insurance companies are not on your side. Their goal is to pay you as little as possible. Here are the tactics they use – and how Attorney911 counters them:

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

What they do:
Insurance adjusters contact you IMMEDIATELY – often while you’re still in the hospital, on pain medication, or overwhelmed by the situation. They act friendly and helpful, saying things like:

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

What they’re really doing:
They’re building their defense against you with leading questions designed to trap you:

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

The truth:

You are NOT required to give a recorded statement to the other driver’s insurance 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 advise 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 and sit with you during it
We know their questions because Lupe asked them for years

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

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

Typical offers: $2,000-$5,000
Sometimes $10,000-$15,000 if they’re scared
Sounds good when you have zero money and mounting bills

They create artificial urgency:

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

The trap:
You don’t know the 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
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 claim
You pay $100,000 out of pocket	Insurance pays nothing more

The release is permanent and final.

How Attorney911 counters:

We NEVER settle before you reach Maximum Medical Improvement (MMI)
MMI is when you’re as good as you’ll get medically
This could take 6 months, 12 months, or 24+ months depending on injuries
We know their offers are ALWAYS lowball
Lupe calculated these lowball offers for years – he KNOWS they’re offering 10-20% of true value

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

What they call it:
“Independent Medical Examination” (IME)

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

How insurance companies choose IME doctors:
They don’t select the most qualified doctor – they select doctors who:

Give insurance-favorable reports
Consistently find “no injury” or “pre-existing condition”
Are paid thousands by insurance companies ($2,000-$5,000 per exam)
Get repeat business for favorable reports

What happens at an IME:

10-15 minute “examination” (vs. your treating doctor’s thorough evaluation)
Doctor rarely reviews your complete medical records beforehand
Asks questions designed to elicit “I’m feeling better” responses
Looks for ANY reason to minimize your 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 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 (Months 6-12+)

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

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

Why delay works (on people without attorneys):

Insurance Companies Have:

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

You Have:

Mounting bills
Zero income
Creditors threatening
Need money NOW

Financial desperation makes you accept less:

Month 1: You’d reject 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 insurance companies do:
They hire private investigators to:

Video you doing daily activities
Film from public places (your driveway, street, stores)
Follow you to appointments, errands, social activities
Look for ANY activity that contradicts your injury claims
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
Use subpoenas to obtain “private” content

Examples we’ve defended against:

Example	What Happened	Insurance Claimed	Reality
Old Photo	Gym photo from 3 YEARS AGO	Presented as recent, contradicts injury	We proved metadata was pre-accident
Restaurant Check-in	Facebook check-in at restaurant	“Partying and having fun”	Sitting quietly having dinner
Friend’s Comment	Friend posted “Had fun yesterday!”	Evidence of non-injury	Client was resting at home
Walking Dog	Video of client walking dog slowly	“Not disabled”	Doctor RECOMMENDED short walks
Smiling in Photo	Family photo smiling	“Not in pain – she’s smiling!”	Everyone smiles for photos

7 rules for clients:

Make ALL profiles private immediately
DON’T post about the accident, injuries, activities, 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 perspective:

“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 insurance companies do:
They try to assign you MAXIMUM fault to reduce their payment:

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

Why they do this:
Texas’ 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 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

The Colossus System – How Insurance Companies REALLY Value Your Claim

How insurance companies ACTUALLY value your claim:

Lupe Peña knows this from the inside – he used these systems when he worked for insurance companies.

Colossus Software System:

Used by Allstate, State Farm, Liberty Mutual, and others
Computerized claim valuation system
Adjuster inputs: Injury codes, treatment types, medical costs, lost wages, jurisdiction
Software outputs: Recommended settlement range
Problem: Programmed to undervalue serious injuries

How it’s manipulated:

Injury Coding:

Your SAME injury can be coded different ways
“Soft tissue strain” (minor code) vs. “disc herniation” (serious code)
SAME injury, different code = 50-100% difference in valuation
Adjusters are trained to use the LOWEST possible codes

Why Lupe’s experience matters:

He knows how to present medical records to show true injury severity
He knows which medical terms trigger higher valuations
He knows when Colossus output is artificially low
He worked with these systems for years as a defense attorney

Reserve Setting:

Money insurance company sets aside for your claim
Based on worst-case scenario (their estimate of trial verdict)
Adjuster usually CANNOT settle for more than reserve without approval

How we increase reserves:

Hiring experts (shows we’re investing in the case)
Taking depositions (creates litigation expense)
Filing a lawsuit (forces trial evaluation)
Preparing for trial (shows we’re serious)

Lupe understands reserve psychology and settlement authority limits – this is a GAME-CHANGING advantage.

Types of Compensation You Can Recover

Economic Damages (No Cap in Texas)

Damage Type	What It Covers	Example
Medical Expenses (Past)	ER, hospital, surgery, doctors, physical therapy, medications, medical equipment	$50,000 in hospital bills after surgery
Medical Expenses (Future)	Ongoing treatment, future surgeries, lifetime medications, long-term care	$200,000 for future physical therapy
Lost Wages (Past)	Income lost from date of accident to present	$30,000 in lost wages from 6 months off work
Lost Earning Capacity (Future)	Reduced ability to earn income in the future	$500,000 if you can’t return to your previous job
Property Damage	Vehicle repair or replacement, personal property	$25,000 to replace your totaled car
Out-of-Pocket Expenses	Transportation to medical appointments, home modifications, household help	$5,000 for Uber rides to physical therapy

Non-Economic Damages (No Cap Except Medical Malpractice)

Damage Type	What It Covers	Example
Pain and Suffering	Physical pain from injuries, both past and future	Chronic back pain preventing you from playing with your kids
Mental Anguish	Emotional distress, anxiety, depression, fear, PTSD	Fear of driving after a serious accident
Physical Impairment	Loss of physical function, disability, limitations	Inability to walk without a cane
Disfigurement	Scarring, permanent visible injuries affecting appearance	Facial scars from lacerations
Loss of Consortium	Impact on marriage/family relationships, loss of companionship	Inability to be intimate with your spouse
Loss of Enjoyment of Life	Inability to participate in activities you previously enjoyed	Can’t play sports or hobbies you loved

Punitive/Exemplary Damages (Capped)

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

Settlement Ranges by Injury Type

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 physical 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

Lifetime Care Costs by Level:

Injury Level	First Year	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 Fulton Accident Case

1. Insurance Defense Insider Advantage

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

What this means for your case:

We know their tactics because Lupe used them
We anticipate their strategies before they deploy them
We know how they value claims internally
We know which IME doctors they favor
We know how to beat their algorithms
We speak their language

No other firm in Fulton has this advantage.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for victims of:

Brain injuries: “Multi-million dollar settlement for brain injury with vision loss”
Amputations: “This case settled in the millions”
Trucking wrongful death: “Recovered millions of dollars in compensation”
Maritime injuries: “Significant cash settlement”

Our results prove we don’t settle cheap.

3. Federal Court Experience

Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas.

Why this matters:

Complex cases often end up in federal court
FMCSA trucking regulations are federal
Cases against out-of-state defendants often require federal jurisdiction
Federal court requires different skills than state court

BP explosion litigation: “Our firm is one of the few firms in Texas to be involved in BP explosion litigation”

4. Personal Attention You Can Trust

What our clients say:

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

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

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

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

5. Contingency Fee – No Risk to You

“We don’t get paid unless we win your case.”

Free consultation
No upfront costs
No hourly billing
We advance all case costs
You pay nothing unless we recover for you

Frequently Asked Questions About Car Accidents in Fulton

Immediate After Accident

1. What should I do immediately after a car accident in Fulton, Texas?

If you’ve been in an accident in Fulton:

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 at 1-888-ATTY-911 for immediate legal guidance

2. Should I call the police even for a minor accident?

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

3. Should I seek medical attention if I don’t feel hurt?

ABSOLUTELY. Many serious injuries don’t show symptoms immediately:

Traumatic brain injuries can take days to manifest
Internal bleeding may not be obvious
Herniated discs may not cause pain for weeks
Adrenaline masks pain at the scene

Insurance companies use delays in treatment against you. Get checked immediately.

4. What information should I collect at the scene?

Other driver: name, phone, address, driver’s license, insurance
Vehicle: make, model, color, license plate
Witnesses: names and phone numbers
Photos: all vehicle damage, injuries, road conditions, traffic signals
Police: officer name, badge number, report number

5. Should I talk to the other driver or admit fault?

Exchange information only
Do NOT discuss fault
Do NOT apologize or say “I’m sorry” (can be used as admission)
Do NOT give your opinion on what happened
Stick to facts only

6. How do I obtain a copy of the accident report?

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

Dealing with Insurance

7. Should I give a recorded statement to insurance?

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

8. What if the other driver’s insurance contacts me?

Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give a recorded statement. Do NOT discuss injuries or fault.

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

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

10. Should I accept a quick settlement offer?

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

11. What if the other driver is uninsured/underinsured?

Your own UM/UIM coverage can compensate you. Watch our video: “Uninsured & Underinsured Motorists” at https://www.youtube.com/watch?v=kWcNFyb-Yq8

12. Why does insurance want me to sign a medical authorization?

They want unlimited access to your ENTIRE medical history to find pre-existing conditions to use against you. Never sign without attorney review.

Legal Process

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

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

15. How much time do I have to file (statute of limitations)?

In Texas: 2 years from the date of the accident for personal injury, 2 years from the date of death for wrongful death. Miss it = case barred forever.

16. What is comparative negligence and how does it affect me?

Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your fault %). If 51%+ at fault, you get nothing.

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

17. What happens if I was partially at fault?

You can still recover if you were 50% or less at fault. Your recovery is reduced by your percentage of fault.

18. Will my case go to trial?

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

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

19. How long will my case take to settle?

Depends on injury severity. We don’t settle until you’ve reached Maximum Medical Improvement (MMI). Could be 6 months for minor injuries, 18-24 months for serious injuries.

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

Investigation and evidence gathering
Medical treatment to MMI
Demand letter to insurance
Negotiation
Lawsuit if necessary
Discovery
Mediation
Trial if needed

Watch our video: “What Is the Process for a Personal Injury Claim?” at https://www.youtube.com/watch?v=XwzYymneDVs

Compensation

21. What is my case worth?

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

22. What types of damages can I recover?

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

23. Can I get compensation for pain and suffering?

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

24. What if I have a pre-existing condition?

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

25. Will I have to pay taxes on my settlement?

Generally, compensation for physical injuries is NOT taxable. Punitive damages ARE taxable. Consult a tax professional.

26. How is the value of my claim determined?

Based on: medical bills, future treatment costs, lost income, permanent impairment rating, comparable verdicts, severity of injuries, impact on daily life.

Attorney Relationship

27. How much do car accident lawyers cost?

Attorney911 works on contingency: 33.33% before trial, 40% if trial. You pay nothing upfront. We don’t get paid unless we win.

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

28. What does “no fee unless we win” mean?

You pay zero unless we recover money for you. If we don’t win, you owe us nothing. We advance all case costs.

29. How often will I get updates?

Attorney911 provides regular updates. As client Dame Haskett said: “Consistent communication and not one time did i call and not get a clear answer.”

30. Who will actually handle my case?

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

31. What if I already hired another attorney?

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

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 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. “Eggshell plaintiff” rule: Defendant takes victim as they find them. Example: You had mild occasional back pain. Accident caused a herniated disc requiring surgery. You recover for the NEW injury, not just the pre-existing pain. We hire medical experts to prove the difference. Lupe knows how insurance attacks pre-existing conditions—he used this defense for years.

37. Can I switch attorneys if I’m unhappy with my current lawyer?

YES. You can fire your attorney at any time. If your attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you have the right to switch. Attorney911 has taken over many cases from other attorneys. As Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” Call 1-888-ATTY-911 to discuss switching.

38. What if the insurance company is my own insurance (UM/UIM claim)?

Uninsured/Underinsured Motorist claims are against YOUR insurance when the other driver has no insurance or insufficient insurance. Your insurance company will fight your claim just like the other driver’s insurance would. You need attorney representation. Texas allows inter-policy stacking (combining multiple UM policies). Lupe’s insurance knowledge is critical for maximizing UM/UIM recovery.

39. How do you calculate pain and suffering?

Most commonly using the multiplier method: Medical expenses × multiplier (1.5 to 5) = pain & suffering. The multiplier depends on: injury severity, permanency, impact on life, clear liability. Example: $100,000 medical × 4 multiplier = $400,000 pain & suffering. Lupe calculated these for years—he knows how to justify higher multipliers. See Section G for a detailed breakdown.

40. What if I was hit by a government vehicle (city bus, police car, etc.)?

Government claims have special rules. You must file notice within 6 months (much shorter than the 2-year statute of limitations). Sovereign immunity protects government entities. Damage caps may apply. These cases are complex—you need an experienced attorney. Ralph’s 25+ years includes government litigation. Call 1-888-ATTY-911 immediately—the 6-month deadline is strict.

41. What if the other driver fled the scene (hit and run)?

File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL—gas stations, businesses, Ring doorbells, traffic cameras. Most footage is deleted within 7-30 days. We send preservation letters immediately. Texas allows UM stacking. We’ve recovered substantial settlements in hit and run cases through UM claims.

42. What if I’m an undocumented immigrant—can I still file a claim?

YES. Immigration status does NOT affect your right to compensation for injuries. You’re entitled to full recovery regardless of immigration status. Your case is confidential. We’ve successfully represented clients of all immigration statuses. Lupe is fluent in Spanish. Call 1-888-ATTY-911—we protect your rights and your privacy.

43. What if the accident happened in a parking lot?

Parking lot accidents are fully compensable. Insurance companies love to argue “parking lot accidents are always 50/50 fault” (LIE). We prove fault through: surveillance video, witness statements, damage analysis, traffic patterns. Texas comparative negligence rules apply. We’ve won many parking lot cases with clear liability findings.

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

You can sue the driver even if you were riding with them (friend, family member, Uber driver). You’re an innocent victim. The driver’s insurance covers passengers. No comparative fault issues (you weren’t driving). These cases often settle quickly because liability is clear. We handle the difficult conversation so you don’t have to.

45. What if the other driver died in the accident?

You can still pursue a claim against the deceased driver’s estate and insurance. Death doesn’t eliminate liability. The insurance policy still applies. The estate may have assets. Wrongful death laws protect both sides. These cases are emotionally complex but legally straightforward. We handle them with sensitivity while protecting your rights.

Attorney911 Serves Fulton and All of Aransas County

Attorney911 serves Fulton, Texas and the entire Aransas County area. Our firm understands the unique challenges faced by residents of coastal communities like Fulton:

Highway 35 traffic: This major route sees significant traffic, increasing the risk of collisions
Tourist traffic: Seasonal visitors unfamiliar with local roads can contribute to accidents
Coastal weather hazards: Unique driving conditions that require specialized knowledge
Local court system: We know the Aransas County courts and local judges

Whether you’re dealing with a car accident on Highway 35, a trucking incident, or a pedestrian accident in Fulton, our team is here to help. We offer:

Free consultations for Fulton residents
Contingency fee representation – no fee unless we win
Spanish language services available
Willingness to travel to Fulton for your convenience

Call Attorney911 today at 1-888-ATTY-911 for a free consultation. We’re here to fight for you.