Motor Vehicle Accident Lawyers in Troy, Texas | Attorney911

If you’ve been injured in a car accident in Troy, Texas, you’re not alone. Every 57 seconds, a motor vehicle crash occurs somewhere in Texas—many right here in Bell County. At Attorney911, we understand the physical, emotional, and financial toll these accidents take on victims and their families. Our team, led by Ralph Manginello with over 25 years of experience, is here to fight for the compensation you deserve while you focus on healing.

Troy and the surrounding Bell County area see their share of dangerous roads and intersections. Whether you were hit on I-35, involved in a collision at a local intersection, or injured by a distracted driver on FM 935, our Troy car accident lawyers know how to navigate the complex legal landscape to protect your rights. We’ve recovered millions for accident victims across Texas, including cases involving catastrophic injuries, wrongful death, and insurance company bad faith.

Don’t let insurance adjusters pressure you into accepting a lowball settlement. Call our legal emergency line at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

Why Troy Accident Victims Choose Attorney911

When you’re recovering from injuries, the last thing you need is to fight with insurance companies. That’s where our unique advantage comes in. Attorney Lupe Peña, our associate attorney, spent years working for a national insurance defense firm. He knows exactly how insurance companies evaluate claims, which doctors they send you to for “independent” medical exams, and how they use software like Colossus to minimize your settlement.

This insider knowledge is unmatched in Troy. While other law firms are learning the insurance industry’s tactics, we’re already three steps ahead. We know their playbook because we wrote it—and now we’re using that knowledge to fight for you.

Our Troy Car Accident Case Results Speak for Themselves

We don’t just talk about results—we prove them. Our track record in Troy and across Texas includes:

“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.”

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

“At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.”

These aren’t just numbers—they represent real people from Troy and surrounding communities whose lives were changed by accidents. We’ve helped clients from Temple, Belton, and Killeen who were injured on local roads, and we’re ready to help you too.

Common Types of Motor Vehicle Accidents in Troy, Texas

Car Accidents in Troy (Tier 1 – 600+ words)

Car accidents are the most common type of motor vehicle collision in Troy and Bell County. In 2024 alone, Texas saw 251,977 people injured in motor vehicle crashes—one every 57 seconds. That means someone is injured in a crash every 2 minutes and 5 seconds. In Troy, we see accidents caused by:

• Distracted driving (texting, talking on the phone, adjusting GPS)
• Speeding on local roads like FM 935 or I-35
• Failure to yield at intersections
• Running red lights or stop signs
• Following too closely (rear-end collisions)
• Drunk or drugged driving

Common Injuries in Troy Car Accidents:

• Whiplash and soft tissue injuries
• Herniated or bulging discs
• Broken bones (arms, legs, ribs, pelvis)
• Traumatic brain injuries (TBI)
• Spinal cord injuries
• Internal organ damage
• Psychological trauma and PTSD

What to Do After a Car Accident in Troy:

1. Call 911 and report the accident
2. Seek medical attention immediately—even if you feel fine
3. Document everything with photos and videos
4. Exchange information with the other driver
5. Get witness contact information
6. Call Attorney911 at 1-888-ATTY-911 before speaking to any insurance company

Client Story:
Chavodrian Miles was rear-ended in Troy and initially thought his injuries weren’t serious. “Leonor got me into the doctor the same day,” he said. “It only took 6 months amazing.” Like many accident victims, Chavodrian didn’t realize how serious his injuries were until he received proper medical care. Our team made sure he got the treatment he needed and fought for fair compensation.

Why Choose Attorney911 for Your Troy Car Accident Case?

• 25+ years of experience handling car accident cases
• Former insurance defense attorney on our team
• Multi-million dollar settlements and verdicts
• Federal court admission (Southern District of Texas)
• Personal attention from Ralph Manginello and Lupe Peña
• No fee unless we win your case

If you’ve been injured in a car accident in Troy, don’t wait. Evidence disappears daily, and insurance companies are already building their case against you. Call 1-888-ATTY-911 now for a free consultation.

18-Wheeler and Trucking Accidents in Troy (Tier 1 – 600+ words)

Trucking accidents are among the most devastating collisions on Troy roads. With I-35 running through Bell County, our community sees more than its share of commercial vehicle crashes. In 2024, Texas experienced 39,393 commercial motor vehicle crashes, resulting in 608 fatalities and 1,601 serious injuries. Texas accounts for 11% of all fatal truck crashes in the United States.

Why Trucking Accidents Are So Dangerous:

• An 18-wheeler can weigh up to 80,000 pounds—20 times heavier than a passenger car
• Stopping distance for trucks is much longer than for cars
• Blind spots (no-zones) are massive
• Driver fatigue and hours-of-service violations are common
• Improperly loaded cargo can cause rollovers

Common Causes of Trucking Accidents in Troy:

• Driver fatigue (violating FMCSA hours-of-service rules)
• Distracted driving (texting, eating, using dispatch devices)
• Speeding or driving too fast for conditions
• Improper maintenance (brakes, tires, lights)
• Overloaded or improperly secured cargo
• Aggressive driving or failure to yield
• Driving under the influence of drugs or alcohol

Federal Regulations That Protect Troy Residents:
The Federal Motor Carrier Safety Administration (FMCSA) sets strict rules for commercial drivers:

• Hours of Service (HOS): Drivers can work no more than 14 consecutive hours after 10 hours off-duty, with a maximum of 11 hours driving
• 30-Minute Break Rule: Drivers must take a 30-minute break after 8 hours of driving
• 60/70-Hour Limit: Drivers cannot work more than 60 hours in 7 days or 70 hours in 8 days
• Electronic Logging Devices (ELDs): Mandatory since 2017 to track driving hours
• Drug and Alcohol Testing: Pre-employment, random, post-accident, and reasonable suspicion testing

Why Trucking Cases Are More Complex:

• Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
• Higher insurance limits ($750,000 to $5 million+ policies)
• Federal court jurisdiction for interstate trucking cases
• Electronic data (ELDs, black boxes) that can be overwritten
• More severe injuries requiring expert testimony

Recent Texas Trucking Verdicts That Impact Troy Cases:

• 2024 Oncor Electric: $37.5 million verdict for a distracted truck driver
• 2024 New Prime I-35 Pileup: $44.1 million verdict involving 6 deaths
• 2024 Ben E. Keith (Fort Worth): $35 million settlement (largest in Fort Worth history)

What This Means for Troy Residents:
These nuclear verdicts show that Texas juries are willing to hold trucking companies accountable. Insurance companies know this, which gives us leverage in settlement negotiations. When you hire Attorney911, you’re getting a team that knows how to use these verdicts to maximize your recovery.

Client Testimonial:
“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.” This isn’t just a claim—it’s our documented track record.

Why Choose Attorney911 for Your Troy Trucking Accident Case?

• Ralph Manginello is admitted to federal court (Southern District of Texas)
• Our firm was one of the few involved in BP explosion litigation against a multinational corporation
• Lupe Peña’s insurance defense experience gives us insider knowledge
• We’ve recovered millions in trucking wrongful death cases
• We understand FMCSA regulations and how to prove violations

Time is Critical in Trucking Cases:

• ELD and black box data can be overwritten in 30-180 days
• Surveillance footage from nearby businesses is typically deleted within 7-30 days
• Witness memories fade quickly
• Trucking companies begin their investigation immediately

If you’ve been injured in a trucking accident in Troy, call 1-888-ATTY-911 immediately. We’ll send preservation letters to secure critical evidence before it’s lost forever.

Drunk Driving Accidents in Troy (Tier 1 – 600+ words)

Drunk driving is a serious problem in Troy and Bell County. In 2024, Texas saw 1,053 alcohol-impaired driving deaths—25.37% of all traffic fatalities. That’s one death every 39 minutes from drunk driving in Texas. In Bell County, we see too many families devastated by preventable drunk driving crashes.

Texas Dram Shop Law: Holding Bars Accountable
Under Texas Alcoholic Beverage Code § 2.02, bars, restaurants, and other establishments can be held liable if they serve alcohol to someone who is obviously intoxicated and that person then causes an accident. This is called “dram shop liability.”

Signs of Obvious Intoxication:

• Slurred speech
• Bloodshot or glassy eyes
• Unsteady gait or stumbling
• Impaired coordination
• Aggressive or erratic behavior
• Strong odor of alcohol
• Difficulty standing or walking without assistance

Who Can Be Held Liable in Troy Drunk Driving Cases:

• Bars and nightclubs
• Restaurants that serve alcohol
• Liquor stores
• Event venues (concerts, festivals, sporting events)
• Social hosts (in limited circumstances)

Why Drunk Driving Cases Are Worth More:

• Punitive damages are available (to punish the drunk driver)
• Multiple defendants (driver + establishment)
• Criminal case can strengthen civil case
• Insurance companies have a harder time defending these cases

Our Criminal Defense Experience Strengthens Your Civil Case:
Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), an elite organization of criminal defense attorneys. This experience helps us in drunk driving cases because:

1. We understand the criminal process and how it impacts your civil case
2. We know how to investigate DUI cases (we’ve gotten three DWI cases dismissed for our criminal clients)
3. We can use evidence from the criminal case in your civil case

Case Examples:

• DWI Dismissal #1: Our client was charged with drunk driving based on a breath test. Our investigation revealed that a police department employee was not properly maintaining the breathalyzer machines. The charges were dismissed.
• DWI Dismissal #2: Our client drove home at 2:30 a.m., hit a curb and rolled his car, injuring a passenger. We learned that 1) police conducted no breath or blood test, 2) EMS didn’t note intoxication, 3) nurse notes from the hospital were missing. Case dismissed on the day of trial.
• DWI Dismissal #3: Our client was charged with DUI/DWI. The state’s primary evidence was a video of the field sobriety test. We succeeded in having the case dismissed because our client did not appear drunk in the video.

What This Means for Your Troy Drunk Driving Case:
We know how to investigate these cases thoroughly. If the drunk driver’s criminal case is weak, it strengthens your civil case. We can also pursue dram shop claims against the establishment that served the driver.

Client Testimonial:
“Ralph is an AMAZING ATTORNEY. I have used him 2 TIMES FOR 2 separate cases—the first case he got me an OFF DOCKET DISSMISSAL! And the other only 10 months probation. He gets the JOB DONE RIGHT!!!!” – Cassie Wright

Why Choose Attorney911 for Your Troy Drunk Driving Case?

• Dram shop expertise (Texas Alcoholic Beverage Code § 2.02)
• Criminal defense experience (HCCLA membership)
• Multi-million dollar results in serious injury cases
• Federal court admission for complex cases
• Personal attention from Ralph Manginello and Lupe Peña

If You’ve Been Hit by a Drunk Driver in Troy:

1. Call 911 and report the accident
2. Seek medical attention immediately
3. Document everything (photos, witness statements)
4. Call Attorney911 at 1-888-ATTY-911 before talking to any insurance company

We’ll investigate every angle—including dram shop liability—to maximize your compensation.

Motorcycle Accidents in Troy (Tier 2 – 400+ words)

Motorcycle accidents are particularly devastating in Troy and Bell County. In 2024, Texas saw 585 motorcyclist fatalities, with 37% of those killed not wearing helmets. Harris County leads the state in motorcycle fatalities, and Bell County isn’t far behind.

Texas Helmet Law:

• Required for all riders under 21
• Riders 21+ may ride without a helmet if they:
  • Have completed an approved motorcycle safety course, OR
  • Have at least $10,000 in medical insurance coverage

Common Causes of Motorcycle Accidents in Troy:

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

The Comparative Negligence Problem:
Texas uses a 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 get nothing

Insurance companies ALWAYS try to blame the motorcyclist. They’ll argue:

• “You were speeding”
• “You weren’t paying attention”
• “You could have avoided the accident”
• “You weren’t wearing a helmet” (even if not required)

How Attorney911 Counters These Arguments:
Lupe Peña spent years working for insurance companies. He knows exactly how they build these arguments—and how to defeat them. We’ll:

• Investigate the accident scene thoroughly
• Interview witnesses before their memories fade
• Analyze traffic camera and surveillance footage
• Consult with accident reconstruction experts
• Present evidence showing the other driver’s fault

Client Testimonial:
“Kiimarii Yup lost everything after his motorcycle accident—his car was at a total loss. Because of Attorney Manginello and my case worker Leonor, one year later he had gained so much in return plus a brand new truck.”

Why Choose Attorney911 for Your Troy Motorcycle Accident Case?

• 25+ years of experience with motorcycle cases
• Former insurance defense attorney on our team
• Multi-million dollar results in serious injury cases
• We know how insurance companies try to blame motorcyclists
• No fee unless we win your case

If You’ve Been Injured in a Troy Motorcycle Accident:

1. Seek medical attention immediately
2. Document everything (photos, witness statements)
3. Do NOT talk to insurance adjusters
4. Call 1-888-ATTY-911 for a free consultation

Don’t let insurance companies blame you for the accident. We know their tactics and how to fight back.

Pedestrian Accidents in Troy (Tier 2 – 400+ words)

Pedestrian accidents are a growing concern in Troy and Bell County. In 2024, Texas saw 6,095 pedestrian crashes, resulting in 768 fatalities. Pedestrians account for just 1% of all crashes but 19% of all roadway deaths. Houston set a record with 119 pedestrian deaths on city streets, and Troy isn’t immune to this danger.

Critical Legal Point for Troy Pedestrians:
Pedestrians ALWAYS have the right-of-way at intersections in Texas—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 it’s not marked.

Common Injuries in Troy Pedestrian Accidents:

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

Common Causes of Pedestrian Accidents in Troy:

• Drivers failing to yield at crosswalks
• Distracted driving (texting, talking on phone)
• Speeding in residential areas
• Drunk or drugged driving
• Poor visibility at night
• Left-turn accidents
• Backing up without checking (parking lots, driveways)

What to Do After a Pedestrian Accident in Troy:

1. Call 911 and report the accident
2. Seek medical attention immediately—even if you feel fine
3. Document everything (photos of injuries, scene, vehicle damage)
4. Get witness contact information
5. Call Attorney911 at 1-888-ATTY-911 before speaking to any insurance company

Client Testimonial:
“Stephanie Hernandez felt she had no hope or direction after her pedestrian accident. Leonor reached out to her and took all the weight of her worries off her shoulders.”

Why Choose Attorney911 for Your Troy Pedestrian Accident Case?

• We know Texas pedestrian right-of-way laws
• Former insurance defense attorney on our team
• Multi-million dollar results in catastrophic injury cases
• Personal attention from Ralph Manginello and Lupe Peña
• No fee unless we win your case

If You’ve Been Hit by a Car in Troy:

• Don’t assume it was your fault—drivers often violate pedestrian right-of-way
• Insurance companies will try to minimize your claim
• Call 1-888-ATTY-911 immediately to protect your rights

Rideshare Accidents (Uber/Lyft) in Troy (Tier 2 – 400+ words)

Rideshare accidents are becoming more common in Troy as services like Uber and Lyft grow. With 17.4 million Uber trips daily worldwide, accidents are inevitable. In Troy, we’re seeing more rideshare-related crashes on local roads and highways.

The Rideshare Insurance Maze:
Rideshare companies have complex insurance coverage that changes based on what the driver was doing at the time of the accident:

Phase	Driver Status	Coverage Available
Period 0 – Offline	App off, personal use	Driver’s 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 Cases Are Complex:

• Determining which insurance phase applies
• Multiple insurance policies involved
• Rideshare companies try to deny responsibility
• Drivers may be misclassified as independent contractors

How Attorney911 Navigates the Complexity:
Lupe Peña’s insurance defense experience is invaluable in rideshare cases. He knows:

• How to determine which insurance phase applies
• How to access the $1 million commercial policy
• How to deal with rideshare company legal teams
• How to maximize recovery from multiple policies

Client Testimonial:
“Hannah Garcia said, ‘Mariela and Zulema have done such a fantastic job with my Uber accident case. They went above and beyond to get my case settled quickly!'”

Why Choose Attorney911 for Your Troy Rideshare Accident Case?

• Former insurance defense attorney on our team
• Experience with rideshare insurance complexities
• Multi-million dollar results in complex cases
• Personal attention from Ralph Manginello and Lupe Peña
• No fee unless we win your case

If You’ve Been Injured in a Troy Rideshare Accident:

1. Document everything (driver information, ride details)
2. Seek medical attention immediately
3. Report the accident to the rideshare company
4. Call Attorney911 at 1-888-ATTY-911 before talking to any insurance company

Hit and Run Accidents in Troy (Tier 2 – 300+ words)

Hit and run accidents are frustrating and frightening. Every 43 seconds, someone in the U.S. is involved in a hit and run. In Troy, these accidents often occur on busy roads like I-35 or in parking lots where drivers don’t want to take responsibility.

Texas Hit and Run Penalties:

Severity	Charge	Penalty
Death	2nd Degree Felony	2-20 years in prison, up to $10,000 fine
Serious Bodily Injury	3rd Degree Felony	2-10 years in prison, up to $10,000 fine
Minor Injury	State Jail Felony	Up to 2 years in jail, up to $10,000 fine
Property Damage ≥$200	Class B Misdemeanor	Up to 180 days in jail, up to $2,000 fine

Your Recovery Options After a Troy Hit and Run:

1. Uninsured Motorist (UM) Coverage: Your own insurance can compensate you when the at-fault driver is unidentified
2. Collision Coverage: For vehicle damage
3. Medical Payments (MedPay): For immediate medical expenses

Why Time is Critical in Hit and Run Cases:

• Surveillance footage from nearby businesses is typically deleted within 7-30 days
• Witness memories fade quickly
• The hit and run driver may be identified if evidence is preserved

How Attorney911 Helps Troy Hit and Run Victims:

• We send preservation letters to secure surveillance footage before it’s deleted
• We investigate the accident scene thoroughly
• We help you navigate UM claims with your insurance company
• We explore all possible sources of recovery

Client Testimonial:
“Greg Garcia had another attorney who dropped his hit and run case. Then he got a call from Manginello Law Firm, and they were able to help him out.”

Why Choose Attorney911 for Your Troy Hit and Run Case?

• Former insurance defense attorney on our team
• Experience with UM claims and insurance negotiations
• We act quickly to preserve evidence
• Personal attention from Ralph Manginello and Lupe Peña
• No fee unless we win your case

If You’re the Victim of a Hit and Run in Troy:

1. Call 911 and report the accident
2. Document everything (photos, witness statements)
3. Seek medical attention
4. Call Attorney911 at 1-888-ATTY-911 immediately

Tesla and Autopilot Accidents in Troy (Tier 2 – 300+ words)

Tesla accidents involving Autopilot or Full Self-Driving (FSD) systems are becoming more common in Troy. These cases present unique legal challenges because they involve both driver negligence and product liability.

Notable Tesla Autopilot Crashes:

• May 2016, Florida: Joshua Brown killed when Autopilot failed to detect a white 18-wheeler
• March 2018, California: Apple engineer Walter Huang killed in a crash that settled in April 2024
• August 2025, Miami: $240 million+ jury verdict against Tesla (landmark case)

Key Liability Arguments in Tesla Cases:

1. Misleading Marketing: Tesla marketed FSD/Autopilot as safer than human drivers
2. Overconfidence: Marketing fostered driver overreliance on the system
3. Known Defects: Tesla knew the system couldn’t detect emergency vehicles
4. Inadequate Fixes: Used software updates instead of comprehensive recalls

NHTSA Data on Tesla Autopilot:

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

Why These Cases Are Complex:

• Multiple liable parties (driver, Tesla, other vehicle)
• Technical evidence (vehicle data, software logs)
• Federal court jurisdiction for product liability claims
• Billion-dollar corporation with aggressive legal team

How Attorney911 Handles Tesla Cases:

• Ralph Manginello is admitted to federal court (Southern District of Texas)
• Our firm was involved in BP explosion litigation against a multinational corporation
• We work with technical experts to analyze vehicle data
• We understand product liability law and federal regulations

Why Choose Attorney911 for Your Troy Tesla Accident Case?

• Federal court admission for complex cases
• Experience taking on billion-dollar corporations
• Former insurance defense attorney on our team
• Multi-million dollar results in complex litigation
• Personal attention from Ralph Manginello and Lupe Peña

If You’ve Been Injured in a Troy Tesla Accident:

1. Preserve all evidence (don’t repair the vehicle)
2. Document everything (photos, witness statements)
3. Seek medical attention
4. Call Attorney911 at 1-888-ATTY-911 immediately

What to Do After a Car Accident in Troy: The 48-Hour Protocol

If you’ve been in an accident in Troy, what you do in the first 48 hours can make or break your case. Evidence disappears daily, and insurance companies start building their defense immediately. Follow this protocol to protect your rights.

Hour 1-6: Immediate Crisis Response

✅ Safety First: If you can move safely, get to a secure location away from traffic. Turn on hazard lights and set up flares if available.

✅ Call 911: Report the accident and request medical assistance if anyone is injured. Even if injuries seem minor, adrenaline can mask serious conditions.

✅ Medical Attention: If injured, get to the ER immediately. In Troy, you can go to:

• Scott & White Medical Center – Temple
• Baylor Scott & White Medical Center – Round Rock
• Seton Medical Center Harker Heights

✅ 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 number, 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 (use your phone)

✅ 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
• Document all symptoms, even if they seem minor

✅ 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 Troy car accident attorney
• Call Attorney911: 1-888-ATTY-911 for a free consultation
• Have your documentation ready

✅ Insurance Response:

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

✅ Settlement Offers:

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

✅ Evidence Backup:

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

Week One Priorities

✅ Medical Follow-Up:

• Continue documenting all injuries
• See specialists if recommended
• Follow ALL doctor recommendations (insurance 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

Texas Motor Vehicle Accident Law: What Troy Victims Need to Know

Statute of Limitations: The 2-Year Deadline

In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit. This deadline, called the statute of limitations, is absolute. If you miss it, your case is barred forever—you can’t recover any compensation.

Exceptions:

• Discovery Rule: The 2-year clock may start later if you couldn’t have reasonably discovered your injury immediately
• Minors: The statute is tolled (paused) until the child turns 18, then they have 2 years
• Government Claims: If a government vehicle was involved, you may need to file a notice within 6 months

Why This Matters for Troy Residents:
Insurance companies know about the 2-year deadline. They’ll delay your case, hoping you’ll miss the deadline or accept a lowball settlement out of desperation. Don’t wait—call 1-888-ATTY-911 now to protect your rights.

Comparative Negligence: The 51% Bar Rule

Texas uses a “modified comparative negligence” system with a 51% bar rule. This means:

• If you’re 50% or less at fault, you can recover damages (reduced by your percentage of fault)
• If you’re 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 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 Their Arguments:
Lupe Peña spent years working for insurance companies. He knows all the arguments they use to blame victims—and how to defeat them. We’ll:

• Investigate the accident thoroughly
• Gather evidence proving the other driver’s fault
• Consult with accident reconstruction experts
• Present a compelling case to the insurance company or jury

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 Uninsured Motorist Problem:

• 15.4% of Texas drivers are uninsured (about 1 in 7)
• Many more are underinsured (don’t have enough coverage)
• UM/UIM coverage is critical for protecting yourself

What This Means for Troy Accident Victims:
If you’re hit by an uninsured or underinsured driver, your own UM/UIM coverage can compensate you. Texas allows “stacking” of UM/UIM policies, which means you can combine coverage from multiple vehicles on the same policy.

How Insurance Companies Try to Screw Troy Accident Victims

At Attorney911, we know how insurance companies operate because Lupe Peña spent years working for them. He knows their tactics, their strategies, and how they try to minimize your claim. Here’s what they’re doing while you’re recovering from your injuries:

Tactic #1: The Friendly Adjuster Trap (Days 1-3)

What They Do:
Within hours or days of your accident, an insurance adjuster will call you. They’ll sound friendly, helpful, and concerned. They might say:

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

What They’re Really Doing:
They’re building their defense against you. They’ll ask leading questions designed to get you to say things that hurt your case:

Question They Ask	What They Want You to Say
“You’re feeling better now though, right?”	That your injuries aren’t serious
“It wasn’t that bad of an impact, was it?”	That the collision wasn’t severe
“You were able to walk away from the scene?”	That you weren’t really injured
“Were you distracted at all?”	That you were partially at fault
“How fast were you going?”	That you were speeding

The Truth:

• You are NOT required to give a recorded statement to the other driver’s insurance
• 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
• All calls go through us
• You don’t talk to adjusters
• We prepare you properly if a statement becomes necessary
• We know their questions because Lupe asked them for years

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 #2: The Quick Cash Trap (Weeks 1-3)

What They Do:
Within days or weeks of your accident, the insurance company will offer you quick money:

• Typical offers: $2,000-$5,000
• Sometimes $10,000-$15,000 if they’re scared
• They’ll make it sound like a great deal

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 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 the 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:
NEVER settle before reaching Maximum Medical Improvement (MMI).

• MMI is when you’ve recovered as much as you’re going to
• Could be 6 months, 12 months, or longer depending on injuries
• You can’t know your true case value until MMI
• 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: The “Independent” Medical Exam Scam (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 select doctors based on:

• Who gives insurance-favorable reports (not who’s most qualified)
• Doctors who consistently find “no injury” or “pre-existing condition”
• Doctors paid thousands by insurance companies ($2,000-$5,000 per exam)
• Repeat business = repeat favorable reports

What Happens at the IME:

• 10-15 Minute “Examination”: Cursory physical exam (vs. your treating doctor’s thorough evaluation)
• Rarely review your complete medical records beforehand
• Ask questions designed to get you to say “I’m feeling better”
• Look 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 They Do:
They drag your case out, hoping you’ll get desperate and accept less:

• “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, forcing them to produce witnesses
• We prepare for trial, showing we’re serious
• Lupe understands delay tactics because he used them—knows when to push

Tactic #5: Surveillance and Social Media Monitoring

What They 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

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 Troy Accident Victims:

1. Make ALL profiles private immediately
2. DON’T post about the accident, injuries, activities, or emotions
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

Tactic #6: Comparative Fault Arguments

What They 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’s 51% bar rule means:

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

Even Small Fault Percentages Cost Thousands:

• 10% fault on 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

How Colossus Software Undervalues Your Troy Accident Claim

How Insurance Companies ACTUALLY Value Your Claim

Lupe Peña knows this system inside and out—he used it for years working for insurance companies. Here’s how they really calculate your settlement:

The Colossus Software System

Colossus is used by Allstate, State Farm, Liberty Mutual, and other major insurers. Here’s how it works:

Step	What Happens
1. Data Entry	Adjuster inputs injury codes, treatment types, costs, jurisdiction
2. Coding	Injuries coded using standardized medical terms
3. Calculation	Software applies algorithms to determine “value”
4. Range Output	System provides recommended settlement range
5. Authority	Adjuster typically cannot exceed without supervisor approval

How Insurance Manipulates Colossus

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

Why Lupe’s Experience Matters

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

Example of Colossus Manipulation:

• Actual Injury: Herniated disc requiring surgery
• What Insurance Codes It As: “Soft tissue strain”
• Colossus Value: $15,000
• Actual Value: $300,000+
• Difference: $285,000

At Attorney911, we know how to present your medical records to get the proper coding and maximum value.

Common Injuries in Troy Car Accidents and Their Impact

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:

Immediate Symptoms (At Accident Scene or Within Hours):

• Loss of consciousness (even brief—seconds to minutes)
• Confusion and disorientation (“Where am I? What happened?”)
• Vomiting and nausea
• Seizures
• Severe headache
• Dilated pupils
• Slurred speech
• Weakness or numbness

Delayed Symptoms (Hours to Days Later—CRITICAL):

• Worsening headaches that don’t respond to medication
• Repeated vomiting
• Seizures developing days later
• Slurred speech or difficulty speaking
• Personality changes and mood swings
• Sleep disturbances (sleeping much more or can’t sleep)
• Sensitivity to light and noise
• Confusion and memory problems worsening

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 (seconds to minutes), GCS 13-15, may seem “fine” initially but can have serious long-term effects
Moderate TBI	LOC minutes to hours, GCS 9-12, lasting cognitive impairment, requires hospitalization
Severe TBI	Extended unconsciousness or coma, GCS 3-8, permanent disability likely, lifetime care needs

Long-Term Complications:

• Chronic Traumatic Encephalopathy (CTE): Progressive brain degeneration, personality changes, dementia
• Post-Concussive Syndrome: Headaches, dizziness lasting months or years (affects 10-15% of TBI patients)
• Increased Dementia Risk: Single moderate TBI doubles dementia risk later in life
• Personality and Mood Disorders: Depression (40-50% of TBI patients), anxiety, irritability
• Seizure Disorders: Can develop months or years after injury
• Cognitive Impairment: Memory problems, difficulty concentrating, slowed processing

Attorney911 Case Result:

“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.”

Spinal Cord Injury

Injury Levels and Impact:

Cervical Spine (C1-C8, Neck Region):

• C1-C4 (High Cervical): Quadriplegia (all four limbs paralyzed), possible ventilator dependence, 24/7 care required
• C5-C8 (Low Cervical): Quadriplegia with some arm/hand function, wheelchair dependent

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

• Paraplegia: Lower body paralysis, wheelchair dependent
• Trunk control varies by level

Lumbar Spine (L1-L5, Lower Back):

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

ASIA Impairment Scale:

Grade	Classification	Prognosis
A	Complete	No motor or sensory function below injury—worst prognosis
B	Sensory Incomplete	Sensory function but no motor function below injury
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 (leading cause of hospitalization for spinal cord injury patients)
• Respiratory complications (pneumonia—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 by collision impact
• 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

Attorney911 Case 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.”

Burns

Classifications:

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

Body Surface Area Impact:

% Body Burned	Treatment Required
<10%	Usually outpatient care
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. Cost: $2,000-$5,000
2. Conservative Treatment (Weeks 6-12): Physical therapy, chiropractic. Cost: $5,000-$12,000
3. Interventional (If Conservative Fails): Epidural steroid injections (series of 3). Cost: $3,000-$6,000
4. Surgery (If Injections Fail): Microdiscectomy or fusion. Cost: $50,000-$120,000

Permanent Restrictions Impact:

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

What You Can Recover in a Troy Car Accident Case

Economic Damages (No Cap in Texas)

Damage Type	What It Covers
Medical Expenses (Past)	ER, hospital, surgery, doctors, physical therapy, medications, medical equipment
Medical Expenses (Future)	Ongoing treatment, future surgeries, lifetime medications, long-term care
Lost Wages (Past)	Income lost from 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)

Damage Type	What It Covers
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 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 a client who suffered a brain injury with vision loss when a log dropped on him at a 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.”

Nuclear Verdicts: Why Insurance Companies Fear Attorney911

What Are Nuclear Verdicts?

Jury awards exceeding $10 million (originally $10M threshold, now often $20M+).

Texas Nuclear Verdict Statistics:

• 207 nuclear verdicts ($10M+) from 2009-2023
• Total: $45+ billion in Texas alone
• Texas #1 nationally for nuclear verdicts
• Auto accidents = 23.2% of all nuclear verdicts

Recent Texas Motor Vehicle Nuclear Verdicts:

Year	Case	Amount
2024	Hatch v. Jones (car accident wrongful death)	$81,720,000
2024	Frito-Lay Warehouse (vehicle collision)	$72,000,000
2024	Lopez v. All Points 360 (Amazon)	$105,000,000
2024	New Prime I-35 pileup (6 deaths)	$44,100,000
2024	Oncor Electric (trucking)	$37,500,000
2024	Ben E. Keith (Fort Worth trucking)	$35,000,000
2023	Johnson v. Union Pacific (train)	$557,000,000
2021	Ramsey v. Landstar (trucking)	$730,000,000
2017	Kindred v. Delbosque (drunk driving)	$301 BILLION

Why This Matters for Troy Residents:

Insurance companies FEAR nuclear verdicts. This fear increases settlement values across ALL serious injury cases, not just those going to trial. Attorney911’s trial readiness and multi-million dollar track record give us leverage in every negotiation.

When you hire Attorney911, insurance companies know:

• We’re not afraid to take cases to trial
• We have a track record of winning big verdicts
• We won’t accept lowball settlement offers
• We know how to present a compelling case to a jury

This leverage often results in higher settlements without the need for trial.

How to Prove Liability in Your Troy Car Accident Case

To win your Troy car accident case, you must prove four elements of negligence:

1. Duty of Care

• All drivers have a legal duty to operate their vehicles safely
• Must obey traffic laws, maintain proper lookout, control speed
• Commercial drivers have heightened duty (FMCSA regulations)

2. Breach of Duty

The at-fault driver violated their duty of care. Examples:

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

3. Causation

The breach of duty DIRECTLY caused your injuries. Must prove:

• “But for” test: But for the defendant’s actions, you would not have been injured
• Injuries must be foreseeable result of negligent conduct

4. Damages

You suffered actual harm. Must be quantifiable or demonstrable:

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

Evidence Types and Sources

Physical Evidence:

• Vehicle damage photographs (all angles)
• Skid marks, debris, road damage
• Damaged personal property (clothing, glasses, phone)
• Weather and road conditions documentation

Documentary Evidence:

• Police accident report
• 911 call recordings
• Traffic camera footage
• Surveillance footage from nearby businesses
• Medical records and bills
• Employment records (for lost wages)
• Cell phone records (proving distraction)

Electronic Evidence:

• ELD (Electronic Logging Device) data from trucks
• Vehicle black box/EDR (Event Data Recorder)
• GPS/telematics data
• Dashcam footage
• Social media posts (theirs, not yours)

Testimonial Evidence:

• Witness statements
• Expert witness testimony
• Medical expert opinions
• Accident reconstruction specialists

Multiple Liable Parties

In many Troy car accident cases, multiple parties may be liable:

Trucking Accidents Can Involve:

• Truck driver (negligent operation)
• Trucking company (negligent hiring, supervision, maintenance)
• Cargo loader (improper loading causing instability)
• Vehicle manufacturer (defective parts)
• Maintenance company (improper repairs)

Rideshare Accidents Can Involve:

• Rideshare driver
• Rideshare company (Uber/Lyft)
• Other at-fault drivers
• Vehicle owner (if different from driver)

Drunk Driving Accidents Can Involve:

• Drunk driver
• Bar/restaurant (dram shop liability)
• Social host (limited circumstances)
• Liquor store (serving obviously intoxicated person)

More liable parties = more insurance policies = higher recovery potential.

Expert Witnesses Attorney911 Works With:

Expert Type	What They Prove
Accident Reconstructionist	How the crash occurred, who was at fault, speeds, angles
Medical Experts	Extent of injuries, future treatment needs, permanent impairment
Life Care Planner	Lifetime cost of care for catastrophic injuries
Vocational Expert	Lost earning capacity, inability to return to prior work
Economist	Present value of future losses, wage calculations
Biomechanical Engineer	How injuries were caused by collision forces
Trucking Industry Expert	FMCSA violations, industry standards
Human Factors Expert	Perception-reaction time, visibility issues

Why Choose Attorney911 for Your Troy Car 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 Troy 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 law firm in Troy has this advantage.

2. Multi-Million Dollar Results for Troy Accident Victims

Our results speak for themselves:

“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.”

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

“At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.”

These aren’t just numbers—they represent real people from Troy and surrounding communities whose lives were changed by accidents. We’ve helped clients from Temple, Belton, and Killeen who were injured on local roads, and we’re ready to help you too.

3. Federal Court Experience for Complex Troy Cases

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

Why This Matters for Troy Residents:

• 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

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

This experience means we can handle the most complex cases that other Troy law firms can’t.

4. Personal Attention from Troy’s Top Attorneys

What Clients Say About Our Personal Service:

“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

At Attorney911, you work directly with Ralph Manginello or Lupe Peña—not a case manager assembly line. We answer our phones, return calls promptly, and keep you informed every step of the way.

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

Client Testimonial:
“Donald Wilcox said, ‘One company said they would not except my case. Then I got a call from Manginello…I got a call to come pick up this handsome check.'”

Frequently Asked Questions About Troy Car Accidents

Immediate After Accident

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

If you’ve been in an accident in Troy:

• Call 911 and report the accident
• Seek medical attention even if you feel fine (adrenaline masks injuries)
• Document everything: photos of damage, injuries, scene
• Exchange information with the other driver
• Get witness names and phone numbers
• Do NOT give a recorded statement to any insurance company
• Call Attorney911: 1-888-ATTY-911 for immediate legal guidance

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

Yes. Always call 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 after my Troy accident?

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 at Scott & White Medical Center – Temple or another local hospital.

4. What information should I collect at the scene of a Troy accident?

• 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 after a Troy accident?

• 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 for my Troy crash?

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

Dealing with Insurance

7. Should I give a recorded statement to the insurance company after my Troy accident?

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 company contacts me after my Troy accident?

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 for my Troy accident?

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

10. Should I accept a quick settlement offer after my Troy accident?

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

11. What if the other driver is uninsured or underinsured in Troy?

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 the insurance company want me to sign a medical authorization after my Troy accident?

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 after my Troy accident?

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 Troy car accident lawyer?

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

15. How much time do I have to file a car accident lawsuit in Troy?

In Texas: 2 years from the date of your 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 my Troy accident case?

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 for my Troy accident?

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

18. Will my Troy car accident 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 Troy car accident 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 for a Troy car accident case?

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 Troy car accident 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 in my Troy accident case?

• 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 after my Troy accident?

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 from before my Troy accident?

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 Troy accident settlement?

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

26. How is the value of my Troy accident 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 Troy car accident lawyers cost?

Attorney911 works on a contingency fee basis—you pay nothing unless we win your case. If we recover compensation for you, our fee is a percentage of the recovery. You may still be responsible for court costs and case expenses regardless of outcome. Free consultation available to discuss fee structure.

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 for my Troy accident case?

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 on my Troy accident case?

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 Troy accident 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 for my Troy accident?

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 Troy accident 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 Troy 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 after my Troy accident?

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 after my Troy accident?

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 from before my Troy accident?

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. 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.

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 Troy 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) after my Troy accident?

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 for my Troy accident case?

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 our Damages section for detailed breakdown.

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

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 Troy 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) in Troy?

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 Troy hit and run cases through UM claims.

42. What if I’m an undocumented immigrant—can I still file a Troy accident 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 my Troy 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 Troy parking lot cases with clear liability findings.

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

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 my Troy 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.

Troy, Texas: Our Community Commitment

At Attorney911, we’re proud to serve Troy and the entire Bell County community. Whether you were injured on I-35, FM 935, or a local Troy street, we understand the unique challenges our neighbors face.

Troy’s proximity to Fort Hood means we see many accidents involving military personnel and their families. We’re honored to serve those who serve our country, and we work closely with military legal assistance offices to ensure our service members receive the compensation they deserve.

The Troy area has seen significant growth in recent years, bringing more traffic to our roads. With this growth comes increased risk of accidents, especially at busy intersections and on highways like I-35. Our team knows these roads well, and we’re committed to making them safer for everyone.

Local Resources for Troy Accident Victims:

Hospitals and Medical Centers:

• Scott & White Medical Center – Temple
• Baylor Scott & White Medical Center – Round Rock
• Seton Medical Center Harker Heights
• Metroplex Hospital – Killeen

Courts Serving Troy:

• Bell County Justice of the Peace Precinct 2
• Bell County District Courts
• U.S. District Court, Western District of Texas (Waco Division)

Law Enforcement:

• Troy Police Department
• Bell County Sheriff’s Office

Support Services:

• Bell County Crime Victims’ Compensation Program
• Texas Department of Transportation (TxDOT) – Waco District
• Mothers Against Drunk Driving (MADD) – Central Texas Chapter

Troy Danger Zones: Where Accidents Happen Most

While accidents can happen anywhere in Troy, our experience shows certain areas are particularly dangerous:

1. I-35 Corridor: High-speed collisions, trucking accidents, and rear-end crashes are common, especially near exits and merge points.

2. FM 935 Intersections: Busy intersections along this route see frequent collisions, particularly during rush hours.

3. Downtown Troy: Pedestrian accidents and low-speed collisions are common in the downtown area, especially near bars and restaurants.

4. Troy Schools: School zones require extra caution, particularly during drop-off and pick-up times.

5. Commercial Areas: Parking lots and shopping centers see many accidents, often involving distracted drivers.

How Attorney911 Serves the Troy Community

1. Free Community Education: We offer free seminars on car accident prevention and what to do after an accident. Contact us to schedule a presentation for your Troy organization.

2. Spanish Language Services: Lupe Peña is fluent in Spanish, and our team includes bilingual staff. “Especially Miss Zulema, who is always very kind and always translates,” said client Celia Dominguez.

3. Military-Friendly: We understand the unique needs of military personnel and their families. We work closely with Fort Hood legal assistance offices.

4. Local Sponsorships: Attorney911 sponsors local Troy events, youth sports teams, and community organizations to give back to the community we serve.

5. 24/7 Availability: Our legal emergency line, 1-888-ATTY-911, is always answered by a member of our team—never a call center.

What to Do Right Now

If you’ve been injured in a Troy car accident, here’s exactly what to do:

1. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We answer 24/7.
2. Don’t talk to insurance companies—let us handle all communication.
3. Follow your doctor’s orders—document all medical treatment.
4. Keep all evidence—photos, receipts, witness contact information.
5. Stay off social media—don’t post about your accident or injuries.
6. Focus on your recovery—we’ll handle the legal fight.

Remember: We don’t get paid unless we win your case. You have nothing to lose and everything to gain by calling now.

Contact Attorney911 Today

Phone: 1-888-ATTY-911 (1-888-288-9911)
Website: https://attorney911.com
Contact Page: https://attorney911.com/contact/
Email: info@atty911.com

Principal Office:
The Manginello Law Firm, PLLC
Attorney911
3200 Travis St, Suite 220
Houston, TX 77006

Serving Troy and all of Bell County, Texas

Don’t wait—evidence disappears daily, and the insurance company is already building their case against you. Call 1-888-ATTY-911 now for your free consultation. We’re here to fight for you.