Motor Vehicle Accident Lawyer in Belton, Texas | Attorney911

If you’ve been injured in a car accident in Belton, Texas, you’re not alone. Every year, thousands of Central Texas residents face the physical, emotional, and financial aftermath of motor vehicle collisions. At Attorney911, we understand the unique challenges that accident victims in Bell County face – from navigating the busy intersections along Interstate 35 to dealing with insurance companies that prioritize profits over people.

Our team, led by Ralph Manginello with over 25 years of experience, has helped countless Belton residents recover the compensation they deserve after serious accidents. Whether you were rear-ended on Loop 121, involved in a trucking collision near the Temple-Belton area, or suffered injuries in a drunk driving accident on local roads, we’re here to fight for your rights.

Why Belton Accident Victims Choose Attorney911

Belton presents unique traffic challenges that contribute to serious accidents. The convergence of Interstate 35, Loop 121, and SH-317 creates complex traffic patterns that can be dangerous for both local commuters and through-traffic. Additionally, Belton’s proximity to Fort Cavazos (formerly Fort Hood) means increased military vehicle traffic and large truck presence on area roads.

At Attorney911, we’re deeply familiar with Bell County’s legal landscape. We know the local courts, judges, and insurance adjusters who handle claims in this area. More importantly, we know how to build strong cases that maximize compensation for our clients.

The Reality of Car Accidents in Belton

Texas sees a motor vehicle accident every 57 seconds, resulting in one injury every 2 minutes and 5 seconds. In Bell County alone, hundreds of accidents occur annually, many resulting in serious injuries that can change lives forever.

Common accident locations in the Belton area include:

• The interchange of I-35 and Loop 121
• SH-317 between Belton and Temple
• Busy intersections like FM 436 and Loop 121
• The stretch of I-35 through Belton, particularly during rush hours
• Local roads near Fort Cavazos where military and civilian traffic mix

These accidents often result in severe injuries that require extensive medical treatment and can impact your ability to work and enjoy life.

Common Types of Motor Vehicle Accidents in Belton

Car Accidents (Tier 1 – Most Common)

Car accidents are the most frequent type of motor vehicle collision in Belton. With the constant flow of traffic on I-35 and local roads, rear-end collisions, T-bone accidents, and head-on crashes occur regularly.

Common causes of car accidents in Belton:

• Distracted driving (texting, phone use)
• Speeding on local roads and highways
• Failure to yield at intersections
• Running red lights or stop signs
• Following too closely on I-35
• Drunk or impaired driving
• Weather-related accidents during Central Texas storms

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
• Psychological trauma and PTSD

At Attorney911, we’ve helped clients with all types of car accident injuries. In one recent case, our client’s leg was injured in a car accident on I-35. During treatment, staff infections developed, leading to a partial amputation. This case settled in the millions, ensuring our client could afford the lifelong care needed for this catastrophic injury.

“Leonor got me into the doctor the same day after my accident on Loop 121. The whole process only took 6 months and was amazing.” – Chavodrian Miles

Trucking and 18-Wheeler Accidents (Tier 1 – Highest Severity)

With I-35 running through Belton and serving as a major trucking corridor between San Antonio and Dallas-Fort Worth, trucking accidents are a serious concern in Bell County. These accidents often result in catastrophic injuries due to the massive size and weight of commercial trucks.

Trucking accident statistics:

• Texas has more fatal truck crashes than any other state
• 39,393 commercial motor vehicle crashes occurred in Texas in 2024
• 608 trucking fatalities and 1,601 serious injuries
• Texas accounts for 11% of all fatal truck crashes nationwide

Common causes of trucking accidents in Belton:

• Driver fatigue (violating Hours of Service regulations)
• Distracted driving (using phones, eating, adjusting electronics)
• Speeding or driving too fast for conditions
• Improper loading or overloaded trailers
• Mechanical failures (brake failures, tire blowouts)
• Inadequate driver training
• Driving under the influence of drugs or alcohol

Federal regulations that trucking companies must follow:

• Hours of Service (HOS) rules limiting driving time
• Electronic Logging Device (ELD) requirements
• Regular vehicle maintenance and inspections
• Driver qualification standards
• Drug and alcohol testing programs

Why trucking accidents are more complex:

• Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
• Higher insurance limits ($750,000 to $5,000,000+ policies)
• Federal court jurisdiction for many cases
• Complex evidence (black box data, driver logs, maintenance records)

At Attorney911, we have extensive experience with trucking accidents. Ralph Manginello’s admission to federal court in the Southern District of Texas is particularly valuable for these cases, as many trucking accident lawsuits are filed in federal court due to the interstate nature of the trucking industry.

“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.”

Drunk Driving Accidents (Tier 1 – Preventable Tragedies)

Drunk driving accidents are particularly devastating because they’re completely preventable. In Texas, alcohol-impaired driving accounts for 25.37% of all traffic fatalities – that’s 1,053 lives lost in 2024 alone.

Drunk driving in Bell County:

• Many drunk driving accidents occur on weekends and late at night
• Local bars and restaurants can sometimes be held liable under Texas dram shop laws
• The mix of local traffic and through-traffic on I-35 creates additional risks

Texas dram shop liability (TABC § 2.02):
Establishments can be held liable if they serve alcohol to someone who is obviously intoxicated and that person 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 in drunk driving cases:

• The drunk driver
• Bars and nightclubs
• Restaurants serving alcohol
• Liquor stores
• Event organizers (concerts, festivals)
• Social hosts (in limited circumstances)

Why drunk driving cases often result in higher compensation:

• Punitive damages may be available for gross negligence
• Multiple defendants can be held liable
• Criminal case can strengthen the civil case
• Insurance companies have difficulty defending these cases

Ralph Manginello’s membership in the Harris County Criminal Lawyers Association (HCCLA) is particularly valuable in drunk driving cases, as it demonstrates our capability to handle both the criminal and civil aspects of these complex cases.

Motorcycle Accidents (Tier 1 – High Risk)

Motorcycle accidents in Belton often result in severe injuries due to the lack of protection for riders. In 2024, Texas saw 585 motorcyclist fatalities, with many more suffering serious injuries.

Motorcycle accident risks in Bell County:

• I-35 traffic creates dangerous conditions for motorcyclists
• Local roads with sharp curves can be hazardous
• Drivers often fail to see motorcycles in their blind spots
• The mix of local and through-traffic increases accident risks

Texas helmet law:

• Riders under 21 must wear helmets
• Riders 21 and over can ride without helmets if they:
  • Complete an approved motorcycle safety course, OR
  • Have at least $10,000 in medical insurance coverage

Common causes of motorcycle accidents:

• Failure to yield right of way (most common)
• Driver inattention or distraction
• Unsafe lane changes
• Left-turn accidents (T-bone or head-on)
• Speeding or reckless driving
• Road hazards (potholes, debris)

Comparative negligence issues:
Texas uses the 51% bar rule for comparative negligence. 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

Insurance companies often try to blame motorcyclists for accidents. Lupe Peña’s experience as a former insurance defense attorney is particularly valuable in these cases, as he knows exactly how insurance companies try to shift blame to the rider.

“I was rear-ended while riding my motorcycle on SH-317. The team at Attorney911 got right to work and I received a very nice settlement.” – MONGO SLADE

Pedestrian Accidents (Tier 2 – Vulnerable Road Users)

Pedestrian accidents are a growing concern in Belton, particularly in areas with heavy foot traffic like downtown Belton, near the University of Mary Hardin-Baylor, and along busy commercial corridors.

Pedestrian accident statistics:

• 6,095 pedestrian crashes in Texas in 2024
• 768 pedestrian fatalities statewide
• Pedestrians account for only 1% of crashes but 19% of all roadway deaths
• In urban areas like Belton, pedestrian accidents are particularly common

Critical legal point for pedestrians:
Pedestrians ALWAYS have the right-of-way at intersections in Texas, even at unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you. Anytime there’s an intersection of two streets, the distance between them is considered a crosswalk – even if it’s not marked.

Common pedestrian accident locations in Belton:

• Downtown Belton crosswalks
• Near University of Mary Hardin-Baylor
• Along Main Street and Central Avenue
• At busy intersections like Loop 121 and FM 436
• In parking lots and shopping centers

Common injuries in pedestrian accidents:

• Traumatic brain injuries (TBI)
• Spinal cord injuries and paralysis
• Broken pelvis and legs
• Internal organ damage
• Fatalities

Rideshare Accidents (Uber/Lyft) (Tier 2 – Modern Complexity)

Rideshare accidents present unique legal challenges due to the complex insurance coverage structure. With Uber and Lyft operating extensively in Belton and the surrounding areas, these accidents are becoming more common.

Rideshare industry statistics:

• 11 billion trips in the US since 2010
• 17.4 million Uber trips daily
• 118 million Uber users worldwide
• 5 million Uber drivers

Critical: Rideshare insurance phases

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

Why this matters for victims:
The insurance coverage available depends entirely on what the driver was doing at the moment of the crash. This complexity makes rideshare accident claims particularly challenging. Lupe Peña’s insurance industry experience is invaluable for navigating this maze of coverage.

Who can be injured in rideshare accidents:

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

Hit and Run Accidents (Tier 2 – Leaving the Scene)

Hit and run accidents are a serious problem in Texas, with one occurring every 43 seconds nationally. In Belton, these accidents often occur in parking lots, on local roads, and even on I-35 where drivers may flee the scene.

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

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

UM/UIM coverage is critical in hit and run cases:
Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you when the at-fault driver is unidentified or uninsured. This coverage is particularly important in hit and run cases where the at-fault driver cannot be identified.

Evidence preservation is urgent:

• Surveillance footage is typically deleted within 7-30 days
• Witnesses disperse quickly and memories fade
• Physical evidence at the scene is cleared
• Call Attorney911 immediately at 1-888-ATTY-911 to preserve critical evidence

Tesla and Autopilot Accidents (Tier 2 – Emerging Technology)

As electric vehicles become more common in Belton, accidents involving advanced driver assistance systems like Tesla’s Autopilot are increasing. These cases present unique legal challenges.

Notable Tesla/Autopilot crashes:

• May 2016, Florida: First US Autopilot fatality – Tesla failed to detect white 18-wheeler
• March 2018, California: Apple engineer killed – case settled April 2024
• August 2025, Miami: $240 million+ jury verdict against Tesla (landmark case)

Key liability arguments in Tesla/Autopilot cases:

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

NHTSA data on Tesla crashes:

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

Common crash patterns with Tesla vehicles:

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

At Attorney911, we have experience handling complex product liability cases, including those involving defective automotive technology. Ralph Manginello’s federal court admission is particularly valuable for these cases, as many product liability lawsuits are filed in federal court.

Bicycle Accidents (Tier 3)

Bicycle accidents in Belton often occur on local roads, near the University of Mary Hardin-Baylor, and in areas with bike lanes. With 78 cyclist fatalities in Texas in 2024, these accidents can be life-changing.

Texas e-bike classifications:

Class	Max Speed	Throttle	Pedal Assist
Class 1	20 mph	No	Yes
Class 2	20 mph	Yes	Yes
Class 3	28 mph	No	Yes

Legal requirements for e-bikes in Texas:

• No license required for standard e-bikes
• No registration required
• Motor limit: 750W (1 horsepower) or less
• Speed limit: 28 mph maximum assisted speed
• No statewide helmet requirement (some cities require helmets for riders under 17)

Common causes of bicycle accidents in Belton:

• Drivers failing to yield to cyclists
• Drivers opening car doors into bike lanes (“dooring”)
• Distracted or impaired drivers
• Poor road conditions (potholes, debris)
• Lack of proper bike lanes on busy roads

Comparative negligence issues:
Insurance companies often try to blame cyclists for accidents. Texas’s 51% bar rule means that if you’re found to be 51% or more at fault, you recover nothing. Lupe Peña’s experience as a former insurance defense attorney helps counter these arguments.

Bus Accidents (Tier 3)

Bus accidents in Belton can involve city buses, school buses, charter buses, or private transportation services. With 1,110 bus accidents in Texas in 2024, these incidents can affect many passengers at once.

Bus accident statistics:

• Texas leads all states in total bus crashes
• 17 fatal bus crashes in Texas in 2024
• 549 injury crashes
• 2,523 school bus crashes in Texas in 2023
• 11 school bus deaths and 63 serious injuries

Common causes of bus accidents:

• Driver fatigue or distraction
• Inadequate driver training
• Poor vehicle maintenance
• Unsafe loading or overcrowding
• Mechanical failures
• Other drivers’ negligence

Liable parties in bus accidents:

• Bus driver (fatigue, distraction, impairment)
• Bus company (inadequate training, negligent hiring, poor maintenance)
• Vehicle manufacturer (defective parts)
• Other drivers (third-party vehicles)
• Government entities (poor road design, inadequate signage)

Construction Zone Accidents (Tier 3)

Construction zone accidents are a serious concern in Belton, particularly on I-35 where ongoing construction projects can create hazardous conditions. In 2024, Texas saw nearly 28,000 crashes in work zones, resulting in 215 deaths – a 12% increase from the previous year.

Construction zone accident statistics:

• 60% of highway contractors reported crashes into their work zones
• 43% reported worker injuries from work zone crashes
• Fatalities in work zones increased 50% nationally from 2013 to 2023

Common causes of construction zone accidents:

• Speeding through work zones
• Driver distraction
• Failure to merge properly
• Confusion about lane shifts
• Poor signage or inadequate warnings
• Equipment or debris in the roadway

Real case example from Texas:
Katrina Bond, a college student, slowed for work zone traffic on I-35 near Fort Worth. The driver of a heavy pickup truck (who admitted to receiving a text message) rear-ended her vehicle. The force pushed her car into the path of another truck, resulting in a fatal accident.

Wrongful Death Claims (Tier 3)

Losing a loved one in a motor vehicle accident is devastating. Texas law allows certain family members to pursue wrongful death claims when a death is caused by another party’s negligence.

Wrongful death vs. survival action:

Claim Type	Brought By	What It Recovers
Wrongful Death	Surviving family (spouse, children, parents)	Damages THEY suffered from loss of loved one
Survival Action	Deceased’s estate	Damages THE DECEASED would have recovered if they survived

Damages available in wrongful death claims:

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

Damages available in survival actions:

• Pain and suffering before death
• Medical expenses before death
• Lost income before death

At Attorney911, we handle both wrongful death claims and survival actions, ensuring that families receive the full compensation they’re entitled to under Texas law.

“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.”

What to Do Immediately After an Accident in Belton

The actions you take in the first 48 hours after an accident can significantly impact your ability to recover compensation. Here’s what you should do:

Hour 1-6: Immediate Crisis Response

✅ Safety First: If you can move safely, get to a secure location away from traffic. On busy roads like I-35 or Loop 121, this is particularly important.

✅ Call 911: Report the accident and request medical assistance if anyone is injured. Even if injuries seem minor, it’s important to get checked.

✅ Medical Attention: If injured, get to the emergency room immediately. Adrenaline can mask serious injuries, and some conditions like traumatic brain injuries may not show symptoms immediately.

✅ 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 an experienced motor vehicle accident attorney
• Call Attorney911 at 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 full extent of your injuries yet

✅ Evidence Backup:

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

Why Evidence Disappears So Quickly

One of the most important reasons to contact Attorney911 immediately is that critical evidence disappears on a predictable schedule:

Day 1-7:

• Witness memories are at their peak but begin fading immediately
• Physical evidence like skid marks and debris is still visible
• Businesses may still have recent surveillance footage

Day 7-30:

• Surveillance footage is typically deleted:
  • Gas stations: 7-14 days
  • Retail stores: 30 days
  • Ring doorbells: 30-60 days
  • Traffic cameras: 30 days
• Once deleted, this evidence is GONE FOREVER
• Witnesses become harder to locate as days pass

Month 1-2:

• Insurance companies have solidified their defense position
• Adjusters have built a file against you
• Settlement positions harden
• Vehicle repairs may destroy evidence from the vehicles

Month 2-6:

• Trucking electronic data is deleted:
  • ELD (Electronic Logging Device) data: 30-180 days retention
  • Black box data: Can be automatically overwritten
  • GPS/telematics data: Varies by company
• Cell phone records become harder to obtain
• Social media posts may be deleted

Month 6-12:

• Witnesses graduate, move away, or their memories degrade
• Medical evidence becomes harder to link to the accident
• Treatment gaps are used against you by insurance companies
• Financial desperation makes you vulnerable to lowball offers

Month 12-24:

• Approaching the 2-year statute of limitations
• Creates pressure to settle (insurance knows you’re desperate)
• Evidence is severely degraded
• Case value is diminished

At Attorney911, we move quickly to preserve evidence. Within 24 hours of being retained, we send preservation letters to all parties involved, legally requiring them to preserve evidence before automatic deletion.

Texas Motor Vehicle Law Framework

Understanding Texas law is crucial for protecting your rights after an accident. Here’s what you need to know:

Statute of Limitations

Texas Civil Practice & Remedies Code § 16.003

Claim Type	Time Limit	Starts From
Personal Injury	2 years	Date of accident
Wrongful Death	2 years	Date of death
Property Damage	2 years	Date of damage
Government Claims	6 months notice	Date of incident
Minors	Tolled until 18	Then 2 years

Critical: If you miss the 2-year deadline, your case is BARRED forever. You cannot file a lawsuit or recover compensation after this deadline.

Comparative Negligence (51% Bar Rule)

Texas uses modified comparative negligence with a 51% bar:

• If you are 50% or less at fault → You can recover damages (reduced by your percentage of fault)
• If you are 51% or more at fault → You recover NOTHING

Examples:

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 $100,000 case = $10,000 less for you
• 25% fault on $250,000 case = $62,500 less for you
• 40% fault on $500,000 case = $200,000 less for you

Lupe Peña’s experience as a former insurance defense attorney is particularly valuable here. He knows exactly how insurance companies try to assign fault and how to counter their arguments.

Texas Minimum Auto Insurance (30/60/25)

Texas requires all drivers to carry minimum auto insurance:

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

Uninsured Motorist Statistics:

• 15.4% of US motorists are uninsured (approximately 1 in 7 drivers)
• Uninsured/Underinsured Motorist (UM/UIM) coverage is critical for protection
• Texas allows inter-policy stacking

Proving Liability in Your Case

To recover compensation after an accident in Belton, you must prove that the other party was negligent. This requires establishing four key elements:

1. Duty of Care

All drivers have a legal duty to operate their vehicles safely. This includes:

• Obeying traffic laws
• Maintaining a proper lookout
• Controlling speed
• Avoiding distractions
• Commercial drivers have heightened duties under federal regulations

2. Breach of Duty

The at-fault driver violated their duty of care through:

• Speeding
• Running red lights
• Texting while driving
• Driving under the influence
• Failing to yield
• Following too closely

3. Causation

The breach of duty DIRECTLY caused your injuries. This requires showing:

• “But for” the defendant’s actions, you would not have been injured
• Your injuries were a foreseeable result of the negligent conduct

4. Damages

You suffered actual harm, which can include:

• Medical bills
• Lost wages
• Pain and suffering
• Property damage
• Emotional distress

Types of Damages You Can Recover

If you’ve been injured in a motor vehicle accident in Belton, you may be entitled to several types of compensation:

Economic Damages (No Cap in Texas)

These are quantifiable financial losses:

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

Non-Economic Damages (No Cap Except Medical Malpractice)

These are intangible losses:

• Pain and Suffering: Physical pain from injuries, both past and future
• Mental Anguish: Emotional distress, anxiety, depression, fear, PTSD
• Physical Impairment: Loss of physical function, disability, limitations
• Disfigurement: Scarring, permanent visible injuries affecting appearance
• Loss of Consortium: Impact on marriage/family relationships, loss of companionship
• Loss of Enjoyment of Life: Inability to participate in activities you previously enjoyed

Punitive/Exemplary Damages (Capped)

Available for gross negligence, fraud, or malice:

• Drunk driving cases often qualify
• Cap: Greater of $200,000 OR (2x economic + 1x non-economic damages, with non-economic portion capped at $750,000)
• Purpose: Punish the defendant and deter similar conduct

Settlement Ranges by Injury Type

The value of your case depends on the severity of your injuries, the impact on your life, and the available insurance coverage. Here are typical settlement ranges for common injuries:

Soft Tissue Injuries (Whiplash, Sprains, Strains)

• Medical Treatment: $6,000-$16,000
• Lost Wages: $2,000-$10,000
• Pain & Suffering: $8,000-$35,000
• Settlement Range: $15,000-$60,000

Broken Bone (Single, Simple Fracture)

• Medical Treatment: $10,000-$20,000
• Lost Wages: $5,000-$15,000
• Pain & Suffering: $20,000-$60,000
• Settlement Range: $35,000-$95,000

Broken Bone (Requiring Surgery – ORIF)

• Medical Treatment: $47,000-$98,000
• Lost Wages: $10,000-$30,000
• Pain & Suffering: $75,000-$200,000
• Settlement Range: $132,000-$328,000

Herniated Disc (Conservative Treatment)

• Medical Treatment: $22,000-$46,000
• Lost Wages: $8,000-$25,000
• Pain & Suffering: $40,000-$100,000
• Settlement Range: $70,000-$171,000

Herniated Disc (Surgery Required)

• Past Medical: $96,000-$205,000
• Future Medical: $30,000-$100,000
• Lost Wages: $20,000-$50,000
• Lost Earning Capacity: $50,000-$400,000
• Pain & Suffering: $150,000-$450,000
• Settlement Range: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe)

• Past Medical: $198,000-$638,000
• Future Medical: $300,000-$3,000,000+
• Lost Wages: $50,000-$200,000
• Lost Earning Capacity: $500,000-$3,000,000+
• Pain & Suffering: $500,000-$3,000,000+
• Settlement Range: $1,548,000-$9,838,000

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

Spinal Cord Injury / Paralysis

Lifetime care costs vary by injury 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

• Past Medical: $170,000-$480,000
• Future Medical (Prosthetics): $500,000-$2,000,000
• Lost Wages: $20,000-$50,000
• Lost Earning Capacity: $500,000-$2,000,000
• Pain & Suffering: $500,000-$2,000,000
• Settlement Range: $1,945,000-$8,630,000

“In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions.”

Wrongful Death (Working Age Adult)

• Economic Damages: $1,000,000-$4,000,000
• Non-Economic Damages: $500,000-$3,000,000
• Funeral Expenses: $10,000-$20,000
• Settlement Range: $1,910,000-$9,520,000

Insurance Company Tactics Exposed

At Attorney911, we know how insurance companies operate because Lupe Peña spent years working for them. Here are the tactics they use to minimize your claim – and how we counter them:

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

What they do:
Insurance adjusters contact you IMMEDIATELY after your accident – often while you’re still in the hospital or on pain medication. 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 into minimizing your injuries or accepting partial fault.

Common questions and traps:

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:
Once you hire us, we become your voice. We handle all communication with insurance companies so you don’t have to worry about saying the wrong thing. Lupe knows exactly what questions they’ll ask because he asked them for years when he worked for insurance companies.

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 – typically $2,000-$5,000, sometimes up to $15,000 if they’re worried about your case.

Why they do it:
They know you’re desperate. You have mounting bills, no income, and they’re betting you’ll take the quick cash rather than wait for a fair settlement.

The trap:
You don’t know the full extent of your injuries yet. Many serious conditions don’t show symptoms immediately:

• Traumatic brain injuries can take days to manifest
• Herniated discs may not cause pain for weeks
• Internal injuries may not be obvious at first

Real example:
A client was offered $3,500 three days after her accident on Loop 121. She was desperate and signed the release. Six weeks later, an MRI showed a herniated disc requiring surgery. The surgery cost $100,000, but because she had signed the release, the insurance company paid nothing more.

How Attorney911 counters:
We NEVER settle before you’ve reached Maximum Medical Improvement (MMI). This is the point where your doctor determines you’ve recovered as much as you’re going to. Only then can we know the true value of your case.

Lupe knows these offers are always lowball because he used to calculate them for insurance companies. He knows they’re offering 10-20% of what your case is really worth.

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

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

What it really is:
A doctor hired by the insurance company to minimize your injuries.

How insurance companies choose IME doctors:
They select doctors based on who gives them favorable reports, not who’s most qualified. These doctors:

• Are paid thousands of dollars per exam by insurance companies
• Know that repeat business depends on favorable reports
• Rarely review your complete medical records beforehand
• Often spend only 10-15 minutes examining you

Common IME doctor findings:

What They Say	What It Means
“Patient has pre-existing degenerative changes”	Everyone over 40 has some arthritis – they use this 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
• We challenge biased IME reports with our own medical experts
• Lupe knows these specific doctors and their biases because he hired them when he worked for insurance companies

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

What they do:
Insurance companies drag your case out, saying things like:

• “We’re still investigating your claim”
• “We’re waiting for medical records”
• “Your file is under review”
• “We need additional information”

Why delay works:
They know that while they have unlimited time and resources, you’re facing:

• Mounting medical bills
• No income if you can’t work
• Creditors threatening legal action
• Financial desperation

The result:
Financial pressure makes you vulnerable to accepting lowball offers. What you would have rejected at 6 months ($5,000) might look good at 12 months when you’re desperate.

How Attorney911 counters:

• We file lawsuits to force deadlines
• We set depositions to make them produce witnesses
• We prepare for trial to show we’re serious
• Lupe understands delay tactics because he used them when he worked for insurance companies

Tactic #5: Surveillance & Social Media Monitoring

What they do:
Insurance companies hire private investigators to:

• Video you doing daily activities
• Film from public places (your driveway, street, stores)
• Follow you to appointments, errands, social activities
• Look for ANY activity that contradicts your injury claims

They also monitor ALL your social media:

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

Examples we’ve defended:

Example	What Happened	Insurance Claimed	Reality
Old Gym Photo	Photo from 3 years before accident	Presented as recent evidence	We proved metadata showed it was pre-accident
Restaurant Check-in	Facebook check-in at restaurant	“Partying and having fun”	Client was 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 for recovery
Smiling in Photo	Family photo with client smiling	“Not in pain – she’s smiling!”	Everyone smiles for photos

7 rules for clients:

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

Lupe’s insider quote:

“I’ve reviewed hundreds of surveillance videos and social media posts as a defense attorney. Here’s the truth: Insurance companies take innocent activity out of context. They freeze ONE frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after. They’re not documenting your life – they’re building ammunition against you.”

Tactic #6: Comparative Fault Arguments

What they do:
Insurance companies try to assign you maximum fault to reduce their payment, saying things like:

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

Why they do this:
Texas’s 51% bar rule means:

• If you’re 51% or more at fault → You get NOTHING
• If you’re 50% or less at fault → Your damages are reduced by your percentage

Even small fault percentages cost you thousands:

• 10% fault on $100,000 case = $10,000 less for you
• 25% fault on $250,000 case = $62,500 less for you
• 40% fault on $500,000 case = $200,000 less for you

How Attorney911 counters:

• We conduct aggressive liability investigations
• We use accident reconstruction experts
• We gather witness statements supporting your version
• We analyze police reports for citations against the other driver
• Lupe knows their comparative fault arguments because he made them for years – now he defeats them

Colossus: The Software Insurance Companies Use to Undervalue Your Claim

Most major insurance companies use a software system called Colossus to calculate the value of your claim. Here’s how it works – and how we beat it:

How Colossus Works:

1. Data Entry: The insurance adjuster inputs injury codes, treatment types, costs, and jurisdiction
2. Coding: Injuries are coded using standardized medical terms
3. Calculation: The software applies algorithms to determine “value”
4. Range Output: The system provides a recommended settlement range
5. Authority: The adjuster typically cannot exceed this range without supervisor approval

How Insurance Companies Manipulate Colossus:

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

Why Lupe’s Experience Matters:

Lupe Peña knows how to beat Colossus because he used it for years when he worked for insurance companies. He knows:

• How to code injuries properly for maximum value
• Which medical terms trigger higher valuations
• When Colossus output is artificially low
• How to present medical records to beat the algorithm

Reserve Setting: How We Increase Your Settlement

Insurance companies set “reserves” – money they set aside for your claim based on their worst-case scenario. The adjuster usually cannot settle for more than the reserve amount without special approval.

How we increase reserves:

• Hiring expert witnesses (shows we’re investing in the case)
• Taking depositions (creates litigation expenses)
• Filing lawsuits (forces trial evaluation)
• Preparing for trial (shows we’re serious)

Lupe understands reserve psychology and settlement authority limits from his years working for insurance companies. This insider knowledge helps us maximize your settlement.

Medical Knowledge: Understanding Your Injuries

At Attorney911, we understand the medical reality of your injuries, not just the legal process. This helps us build stronger cases and fight for full compensation.

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:

Immediate Symptoms (At Accident Scene or Within Hours):

• Loss of consciousness (even brief)
• Confusion and disorientation
• Vomiting and nausea
• Seizures
• Severe headache
• Dilated pupils
• Slurred speech
• Weakness or numbness

Delayed Symptoms (Hours to Days Later – Critical):

• Worsening headaches
• Repeated vomiting
• Seizures developing days later
• Slurred speech or difficulty speaking
• Personality changes and mood swings
• Sleep disturbances
• Sensitivity to light and noise
• Confusion and memory problems

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

Severity Classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief LOC, GCS 13-15, may seem “fine” initially
Moderate TBI	LOC minutes to hours, GCS 9-12, lasting cognitive impairment
Severe TBI	Extended unconsciousness or coma, GCS 3-8, permanent disability

Long-Term Complications:

• Chronic Traumatic Encephalopathy (CTE)
• Post-Concussive Syndrome (10-15% of patients)
• Increased dementia risk
• Personality and mood disorders
• Seizure disorders
• Cognitive impairment

Spinal Cord Injury

Injury Levels and Impact:

Cervical Spine (C1-C8, Neck Region):

• C1-C4 (High Cervical): Quadriplegia, possible ventilator dependence
• C5-C8 (Low Cervical): Quadriplegia with some arm/hand function

Thoracic Spine (T1-T12, Mid-Back):

• Paraplegia (lower body paralysis)
• Trunk control varies by level

Lumbar Spine (L1-L5, Lower Back):

• Varying degrees of leg weakness/paralysis
• Bowel/bladder dysfunction
• May walk with assistive devices

ASIA Impairment Scale:

Grade	Classification	Prognosis
A	Complete	No motor or sensory function below injury
B	Sensory Incomplete	Sensory function but no motor function
C	Motor Incomplete	Motor function but most muscles <3/5 strength
D	Motor Incomplete	Motor function with most muscles ≥3/5 strength
E	Normal	Full motor and sensory function (recovered)

Secondary Complications:

• Pressure sores
• Respiratory complications (leading cause of death)
• Bowel and bladder dysfunction
• Sexual dysfunction
• Autonomic dysreflexia (life-threatening blood pressure crisis)
• Depression (40-60% of patients)
• Shortened life expectancy (5-15 years on average)

Amputation

Types:

• Traumatic Amputation: Limb severed at accident scene
• Surgical Amputation: Due to crush injuries or infections (like our documented case)

Levels:

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

Phantom Limb Pain:

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

“In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions.”

Burn Injuries

Classifications:

Degree	Characteristics	Treatment
First-Degree	Superficial, like sunburn	Outpatient, heals 7-10 days
Second-Degree	Blistering, severe pain	Monitor, possible hospital
Third-Degree	Full thickness, destroys all skin	Skin grafting required
Fourth-Degree	Extends into muscle and bone	Often requires amputation

Body Surface Area Impact:

% Body Burned	Treatment Required
<10%	Usually outpatient
10-20%	Hospitalization required
20-40%	Burn center, ICU, multiple surgeries
>40%	Extremely life-threatening
>60%	Often fatal

Herniated Disc

Treatment Timeline:

1. Acute Phase (Weeks 1-6): Severe pain, medications, rest
2. Conservative Treatment (Weeks 6-12): Physical therapy, chiropractic
3. Interventional (If Conservative Fails): Epidural steroid injections
4. Surgery (If Injections Fail): Microdiscectomy or fusion

Permanent Restrictions Impact:

• Can’t return to physical labor jobs
• Lost earning capacity claims
• Ongoing pain management needs

Soft Tissue Injuries

Why insurance undervalues soft tissue injuries:

• No broken bones or surgery = appears “minor”
• Difficult to see on X-rays
• Symptoms are subjective (pain, stiffness)

Why soft tissue injuries can be serious:

• 15-20% develop chronic pain
• Can prevent return to physical jobs
• Whiplash can cause permanent problems
• Often misdiagnosed initially

Proper documentation is critical:

• Detailed pain descriptions to doctors
• Consistent treatment (no gaps)
• MRI proving injury
• Physical therapy records
• Work restrictions documented

Psychological Injuries

PTSD After Motor Vehicle Accidents:

• 32-45% of accident victims develop PTSD symptoms
• Anxiety about driving again
• Fear of getting in cars
• Panic attacks near accident location
• Sleep disturbances, nightmares, flashbacks
• Avoidance behaviors

Compensable psychological damages:

• Mental anguish
• Emotional distress
• Anxiety and depression
• Loss of enjoyment of life
• Fear and worry
• Relationship impacts

Why Choose Attorney911 for Your Belton Accident Case

When you’ve been injured in a motor vehicle accident in Belton, you have many options for legal representation. Here’s why Attorney911 stands out:

1. Insurance Defense Insider Advantage

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

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 Belton has this advantage. Lupe’s insider knowledge is our secret weapon against insurance companies.

2. Multi-Million Dollar Results

At Attorney911, we don’t just talk about results – we have the documented case outcomes to prove our capability:

“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.”

“In a recent case, our client injured his back while lifting cargo on a ship. Our investigation revealed that he should have been assisted in this duty, and we were able to reach a significant cash settlement.”

Our results speak for themselves. We have the experience and track record to handle even the most complex cases.

3. Federal Court Experience

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

Why this matters:

• Complex cases often end up in federal court
• FMCSA trucking regulations are federal
• Diversity jurisdiction for out-of-state defendants
• Federal court requires different skills than state court
• We’re prepared to litigate at the highest level

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

This experience demonstrates our capability to take on billion-dollar corporations and complex litigation.

4. Personal Attention from Experienced Attorneys

At Attorney911, you work directly with Ralph Manginello and Lupe Peña, not just paralegals or case managers.

“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…Ralph reached out personally.” – Dame Haskett

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

This personal attention sets us apart from high-volume firms where you’re just a case number.

5. Contingency Fee – No Risk to You

At Attorney911, we work on a contingency fee basis. This means:

• Free consultation – No cost to discuss your case
• No upfront costs – We advance all case expenses
• No fee unless we win – You pay nothing if we don’t recover compensation
• Percentage of recovery – Our fee comes from your settlement or verdict

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

This arrangement ensures that you can pursue justice without financial risk. We’re invested in your success because our compensation depends on it.

Frequently Asked Questions About Motor Vehicle Accidents in Belton

Immediate After Accident

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

If you’ve been in an accident in Belton:

• Call 911 and report the accident
• Seek medical attention even if you feel fine
• Document everything: take photos of damage, injuries, and the 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 after an accident in Texas. The police report is critical evidence for your case. 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 at first
• Herniated discs may not cause pain for weeks
• Adrenaline masks pain at the scene

Insurance companies use delays in treatment against you. Get checked immediately at a local hospital like Scott & White Medical Center – Temple or Baylor Scott & White Medical Center – Round Rock.

4. What information should I collect at the scene?

Collect the following information:

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

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

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

Dealing with Insurance

7. Should I give a recorded statement to insurance?

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

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

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

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

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

10. Should I accept a quick settlement offer?

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

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

Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you. Watch our video on UM/UIM claims: https://www.youtube.com/watch?v=kWcNFyb-Yq8

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

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

Legal Process

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. Call Attorney911 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 accident for personal injury, 2 years from date of death for wrongful death. Miss it = case barred forever.

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

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

17. What happens if I was partially at fault?

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

18. Will my case go to trial?

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

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

19. How long will my case take to settle?

It depends on the severity of your injuries. We don’t settle until you’ve reached Maximum Medical Improvement (MMI). This could be 6 months for minor injuries or 18-24 months for serious injuries.

20. 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

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

Compensation

21. What is my case worth?

It depends on: injury severity, medical costs, lost wages, permanent impairment, pain and suffering, and available insurance. 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 in medical malpractice cases).

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

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

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

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

26. How is the value of my claim determined?

Based on:

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

Attorney Relationship

27. How much do car accident lawyers cost?

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

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

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

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

29. How often will I get updates?

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

30. Who will actually handle my case?

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

Watch our video: “Who Will Be Handling My Case?” at https://www.youtube.com/watch?v=OHcCJglue7o

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.”

Specific Situations

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

Government claims have special rules. You must file notice within 6 months (much shorter than the 2-year statute of limitations). Sovereign immunity protects government entities, and damage caps may apply. These cases are complex – you need an experienced attorney.

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

File a police report immediately. Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL – most footage is deleted within 7-30 days. We send preservation letters immediately to businesses near the scene.

34. 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 and can communicate directly with Spanish-speaking clients.

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

Parking lot accidents are fully compensable. Insurance companies often argue that parking lot accidents are always 50/50 fault – this is a LIE. We prove fault through surveillance video, witness statements, damage analysis, and traffic patterns. We’ve won many parking lot cases with clear liability findings.

36. 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 apply to you. These cases often settle quickly because liability is clear.

37. 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. We handle these sensitive cases with compassion.

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

You can still recover. If the accident AGGRAVATED your pre-existing condition, you’re entitled to compensation for the aggravation. The “eggshell plaintiff” rule means the defendant takes you as they find you. Example: You had mild occasional back pain. The 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.

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

YES. You can fire your attorney at any time. If your current 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.”

40. 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.

41. 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, and clear liability. Example: $100,000 medical × 4 multiplier = $400,000 pain & suffering. Lupe calculated these for years when he worked for insurance companies – he knows how to justify higher multipliers.

42. 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 federal court admission is particularly valuable for government claims.

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

File a police report immediately. Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL – most footage is deleted within 7-30 days. We send preservation letters immediately to businesses near the scene. Texas allows UM stacking. We’ve recovered substantial settlements in hit and run cases through UM claims.

44. 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 and can communicate directly with Spanish-speaking clients. As Celia Dominguez said: “Especially Miss Zulema, who is always very kind and always translates.”

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

Parking lot accidents are fully compensable. Insurance companies often argue that parking lot accidents are always 50/50 fault – this is FALSE. We prove fault through surveillance video, witness statements, damage analysis, and traffic patterns. We’ve won many parking lot cases with clear liability findings.

Belton-Specific Legal Considerations

When you’ve been injured in a motor vehicle accident in Belton, Texas, there are several local factors that can impact your case:

Local Courts and Legal Process

Belton is part of Bell County, which means your case will likely be filed in one of the following courts:

• Bell County District Courts: For serious injury cases with higher damages
• Bell County Courts at Law: For less severe cases
• Belton Municipal Court: For minor traffic violations and city ordinance cases

Ralph Manginello’s extensive experience in Texas courts means we’re well-prepared to navigate the local legal system. We know the judges, the court staff, and the procedures that will apply to your case.

Local Traffic Patterns and Danger Zones

Belton has several areas known for higher accident rates:

• I-35 through Belton: Heavy truck traffic and frequent congestion
• Loop 121: High-speed traffic with multiple intersections
• SH-317: Connects Belton to Temple, with heavy commuter traffic
• FM 436 and Loop 121 intersection: Busy commercial area with frequent accidents
• Main Street and Central Avenue: Downtown Belton with pedestrian and vehicle traffic
• Near University of Mary Hardin-Baylor: Student drivers and pedestrian traffic

We’re familiar with these high-risk areas and can use this knowledge to strengthen your case.

Local Medical Facilities

If you’re injured in a Belton accident, you may receive treatment at:

• Scott & White Medical Center – Temple: Level I trauma center serving Bell County
• Baylor Scott & White Medical Center – Round Rock: Another major trauma center in the region
• Seton Medical Center Harker Heights: Local hospital serving the Belton area
• Metroplex Hospital in Killeen: Another regional medical center

We work with all these facilities to ensure your medical records are properly documented and used to support your claim.

Local Insurance Adjusters

Many insurance companies have adjusters who specialize in handling claims from the Belton area. We know these adjusters and understand their tactics. Lupe Peña’s experience working for insurance companies gives us a significant advantage in negotiations.

Military Considerations

With Fort Cavazos (formerly Fort Hood) nearby, many Belton residents are military personnel or their families. If you’re active-duty military, there may be additional considerations for your case:

• Servicemembers Civil Relief Act (SCRA): May affect deadlines and legal proceedings
• Military insurance coverage: TRICARE and other military benefits
• Deployment considerations: How deployment might affect your case timeline

We have experience handling cases involving military personnel and understand these unique considerations.

What to Expect When You Call Attorney911

When you call 1-888-ATTY-911, here’s what will happen:

1. Immediate Response: You’ll speak with a knowledgeable staff member who will gather basic information about your accident.
2. Free Consultation: We’ll schedule a free, no-obligation consultation with one of our attorneys.
3. Case Evaluation: During the consultation, we’ll review the details of your accident, your injuries, and your legal options.
4. Clear Explanation: We’ll explain the legal process in simple terms and answer all your questions.
5. No Pressure: We’ll never pressure you to hire us. We want you to make an informed decision.
6. Next Steps: If you choose to hire us, we’ll get to work immediately on your case.

“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

Our Commitment to Belton Accident Victims

At Attorney911, we’re committed to serving the Belton community. We understand the unique challenges that accident victims in Bell County face, and we’re here to help.

We know that after an accident, you’re dealing with:

• Physical pain and recovery
• Emotional trauma and stress
• Financial worries about medical bills and lost income
• Confusion about the legal process
• Fear about the future

We’re here to guide you through this difficult time and fight for the compensation you deserve.

“This place feels like having a family over your case. And communication with you every step of the way. That’s how you know you’re in good hands.” – Kiwi Potato

Contact Attorney911 Today

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

Call Attorney911 now at 1-888-ATTY-911 (1-888-288-9911) for a free, no-obligation consultation. We don’t get paid unless we win your case.

“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

Don’t let the insurance companies take advantage of you. Call Attorney911 today and let us fight for your rights. We’re here to help 24/7.