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Blog | Bell County

Rogers Car & Truck Accident Attorneys | 18-Wheelers, Commercial Trucks, Uber/Lyft, Hit-and-Run | Former Insurance Defense — We Know Their Playbook | Multi-Million-Dollar Results | Attorney911 — The Firm Insurers Fear | Federal Court Experience | Se Habla Español | 1-888-ATTY-911

January 23, 2026 46 min read
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Motor Vehicle Accident Lawyers in Rogers, Texas | Attorney911

Legal Emergency Lawyers™ Fighting for Rogers Accident Victims

If you’ve been injured in a car accident, truck collision, or any motor vehicle crash in Rogers, Texas, you’re not alone. Texas sees a motor vehicle accident every 57 seconds, resulting in over 250,000 injuries annually. In Bell County and the greater Central Texas region, these accidents disrupt lives, cause severe injuries, and create financial hardship for victims and their families.

At Attorney911, we understand the physical, emotional, and financial toll a motor vehicle accident can take. Our Rogers car accident lawyers have been fighting for Texas accident victims since 1998. With 25+ years of experience, federal court admission, and a former insurance defense attorney on our team, we have the expertise to maximize your compensation.

Don’t let insurance companies take advantage of you. 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 Rogers Accident Victims Choose Attorney911

Rogers, Texas, and the surrounding Bell County area see their share of motor vehicle accidents on highways like I-35 and US-190, as well as local roads. Many of these crashes involve:

  • Rear-end collisions at intersections
  • Distracted driving incidents
  • Drunk driving accidents, especially on weekends
  • Trucking accidents on major freight corridors
  • Motorcycle crashes during warm weather months

When these accidents happen, victims face mounting medical bills, lost wages, and insurance companies that try to minimize their claims. That’s where Attorney911 comes in.

Our Unique Advantages for Rogers Clients:

  1. Insurance Defense Insider Knowledge – Our associate attorney, Lupe Peña, spent years working for a national insurance defense firm. He knows exactly how insurance companies value claims, deploy tactics, and try to minimize payouts. Now, he uses that insider knowledge to fight for accident victims like you.

  2. Multi-Million Dollar Results – We’ve recovered millions for clients across Texas, including cases involving brain injuries, amputations, and wrongful death. Our results speak for themselves.

  3. Federal Court Experience – Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas. This federal court experience is crucial for complex cases like trucking accidents with FMCSA violations.

  4. Personal Attention You Deserve – Unlike high-volume firms where you’re just a case number, you’ll work directly with Ralph or Lupe. As client Chad Harris said: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”

  5. No Fee Unless We Win – We work on a contingency fee basis. You pay nothing upfront, and we only get paid if we recover compensation for you.

Common Types of Motor Vehicle Accidents in Rogers, Texas

Car Accidents – Our Most Common Case Type

Car accidents are the most frequent type of motor vehicle collision we handle in Rogers and Bell County. With I-35 running through the region and local roads like FM 436 carrying heavy traffic, the risk of collisions is ever-present.

Texas Car Accident Statistics:

  • 251,977 people injured in Texas motor vehicle crashes in 2024
  • 1 crash every 57 seconds
  • 1 person injured every 2 minutes and 5 seconds

Common Causes of Car Accidents in Rogers:

  • Distracted driving (texting, phone use)
  • Speeding and aggressive driving
  • Failure to yield right of way
  • Running red lights or stop signs
  • Following too closely (rear-end collisions)
  • Drunk or drugged driving
  • Weather conditions (rain, fog)

Common Car Accident Injuries:

  • 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

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.”

What This Means for You:
If you’ve been injured in a Rogers car accident, don’t assume your injuries are minor. Many serious conditions like herniated discs or traumatic brain injuries don’t show symptoms immediately. Insurance companies will try to minimize your claim, but we know how to document the full extent of your injuries and fight for maximum compensation.

Client Testimonial:

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

Call 1-888-ATTY-911 for a free consultation with our Rogers car accident lawyers.

18-Wheeler and Trucking Accidents – Catastrophic Injuries, Maximum Compensation

The Rogers area sees significant truck traffic on I-35, US-190, and other major highways. When an 18-wheeler collides with a passenger vehicle, the results are often catastrophic.

Texas Trucking Accident Statistics:

  • 39,393 commercial motor vehicle crashes in Texas in 2024
  • 608 trucking fatalities
  • 1,601 serious injuries
  • Texas accounts for 11% of ALL fatal truck crashes nationwide

Why Trucking Accidents Are More Complex:

  • Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
  • Federal regulations (FMCSA) govern trucking operations
  • Higher insurance limits ($750,000 to $5,000,000+ policies)
  • Electronic logging device (ELD) data can prove violations
  • Black box data shows speed, braking, and other critical factors

FMCSA Violations We Commonly Find:

  • Hours of Service violations (driving more than 11 hours without rest)
  • Inadequate driver training or background checks
  • Improper vehicle maintenance
  • Overloaded or improperly secured cargo
  • Drug and alcohol testing violations

Attorney911 Case Result:

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

Why Federal Court Experience Matters:
Many trucking cases end up in federal court due to:

  • Diversity jurisdiction (parties from different states)
  • FMCSA regulations are federal law
  • Complex liability issues with multiple defendants

Ralph Manginello’s federal court admission in the Southern District of Texas means we can handle these complex cases from start to finish.

Recent Texas Trucking Verdicts (Showing What’s Possible):

  • 2024 Oncor Electric: $37.5 million verdict (distracted truck driver)
  • 2024 New Prime I-35 pileup: $44.1 million verdict (6 deaths)
  • 2024 Ben E. Keith (Fort Worth): $35 million settlement

Call 1-888-ATTY-911 immediately after a trucking accident. Evidence like ELD data and black box recordings can be overwritten in as little as 30 days.

Drunk Driving Accidents – Holding Drivers AND Establishments Accountable

Drunk driving is a serious problem in Texas, and Rogers is no exception. When a drunk driver causes an accident, victims have the right to pursue compensation from both the driver and the establishment that served them alcohol.

Texas Drunk Driving Statistics:

  • 1,053 alcohol-impaired driving deaths in 2024 (25.37% of all traffic fatalities)
  • 24,000+ DWI-related crashes in 2023
  • 1 death every 39 minutes nationally from alcohol-impaired driving

Texas Dram Shop Law (TABC § 2.02):
Under Texas law, 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.

Signs of Obvious Intoxication:

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

Potentially Liable Parties:

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

Why Drunk Driving Cases Often Settle for More:

  • Punitive damages available for gross negligence
  • Multiple defendants (driver + establishment)
  • Criminal case evidence strengthens civil case
  • Insurance companies can’t defend the indefensible

Attorney911’s Criminal Defense Advantage:
Our firm has extensive experience with both civil and criminal cases. Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), and we’ve successfully handled numerous DWI cases:

  • DWI Case #1: Breathalyzer machine improperly maintained – charges dismissed
  • DWI Case #2: No breath or blood test, missing EMS notes – dismissed day of trial
  • DWI Case #3: Video evidence showed client not drunk – dismissed

This experience gives us unique insight into drunk driving cases and helps us build stronger civil claims.

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

If you’ve been injured by a drunk driver in Rogers, call 1-888-ATTY-911 to investigate all potential sources of compensation, including dram shop liability.

Motorcycle Accidents – Fighting Bias Against Riders

Motorcycle accidents often result in severe injuries due to the lack of protection for riders. Unfortunately, insurance companies frequently try to blame motorcyclists for these accidents, even when the other driver is clearly at fault.

Texas Motorcycle Accident Statistics:

  • 585 motorcyclist fatalities in 2024
  • 37% of those killed were NOT wearing helmets
  • 90%+ of fatal victims are male
  • Helmets reduce death risk by 37%

Texas Helmet Law:

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

Common Causes of Motorcycle Accidents in Rogers:

  • 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

Texas 51% Comparative Fault Rule:
Texas uses a modified comparative negligence system. If you’re found to be 51% or more at fault for the accident, you cannot recover any compensation. Insurance companies know this and will try to assign maximum fault to motorcyclists.

How Lupe Peña’s Experience Helps:
Lupe spent years working for insurance companies, making these exact arguments to reduce payouts to motorcyclists. Now, he uses that knowledge to counter these tactics and protect your rights.

Client Testimonial:

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

If you’ve been injured in a Rogers motorcycle accident, don’t let insurance blame you. Call 1-888-ATTY-911 for experienced representation.

Pedestrian Accidents – Protecting Rogers’ Most Vulnerable Road Users

Pedestrians are at serious risk when walking near Rogers roads. With no protection from vehicles, even a minor collision can result in life-altering injuries or death.

Texas Pedestrian Accident Statistics:

  • 6,095 pedestrian crashes in 2024
  • 768 pedestrian fatalities
  • Pedestrians account for 1% of crashes but 19% of ALL roadway deaths

Critical Legal Point for Pedestrians:
Pedestrians ALWAYS have the right-of-way at intersections, even at unmarked crosswalks. Many drivers don’t know this, but Texas law is clear: anytime there’s an intersection of two streets, the distance between them is considered a crosswalk, even if it’s not marked.

Common Pedestrian Injuries:

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

Common Causes of Pedestrian Accidents in Rogers:

  • Drivers failing to yield at crosswalks
  • Distracted driving (texting, phone use)
  • Speeding in residential or school zones
  • Drunk or drugged driving
  • Poor visibility at night
  • Left-turn accidents

Client Testimonial:

“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

If you or a loved one has been hit by a car while walking in Rogers, call 1-888-ATTY-911. We’ll fight to prove the driver’s negligence and recover maximum compensation.

What to Do After a Motor Vehicle Accident in Rogers, Texas

The 48-Hour Protocol – Evidence Disappears Daily

After an accident in Rogers, your actions in the first 48 hours can make or break your case. Evidence disappears quickly, and insurance companies start building their defense immediately.

HOUR 1-6 (Immediate Crisis Response):
Safety First: If you can move safely, get to a secure location away from traffic
Call 911: Report the accident and request medical assistance if anyone is injured
Medical Attention: Even if you feel fine, get checked immediately. Adrenaline masks injuries
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
    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
    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: Call Attorney911 at 1-888-ATTY-911 for a free consultation
Insurance Response: If insurance contacts you, refer them to your attorney
Settlement Offers: Do NOT accept or sign anything without lawyer review
Evidence Backup: Upload all screenshots and photos to cloud storage

Why Time is Critical:

Evidence Type Typical Deletion Timeline
Surveillance footage (gas stations) 7-14 days
Surveillance footage (retail stores) 30 days
Ring doorbell footage 30-60 days
Traffic camera footage 30 days
Witness memories Begin fading immediately
ELD/Black box data (trucks) 30-180 days
Cell phone records Harder to obtain as time passes

What Attorney911 Does Within 24 Hours:
We send preservation letters to:

  • Other driver’s insurance company
  • Trucking companies (if commercial vehicle involved)
  • Businesses near the accident scene
  • Employers (if work-related)
  • Property owners
  • Government entities

These letters LEGALLY REQUIRE evidence preservation before automatic deletion.

Texas Motor Vehicle Accident Law – What Rogers Victims Need to Know

Statute of Limitations – The 2-Year Deadline

Texas Civil Practice & Remedies Code § 16.003

  • Personal Injury: 2 years from date of accident
  • Wrongful Death: 2 years from date of death
  • Property Damage: 2 years from date of damage

Exceptions:

  • Discovery Rule: SOL may start later if injury/cause not immediately discoverable
  • Defendant Absence: Tolled if defendant leaves Texas
  • Mental Incapacity: Tolled during incapacity

CRITICAL: Miss the deadline = case BARRED forever. Cannot be extended or waived.

Comparative Negligence – The 51% Bar Rule

Texas Civil Practice & Remedies Code § 33.001

Texas uses modified comparative negligence with a 51% bar:

  • If you are 50% or less at fault → You can recover damages (reduced by your % 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. Lupe Peña’s insurance defense experience helps counter these arguments.

Texas Minimum Auto Insurance Requirements

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)
  • UM/UIM coverage is critical for protection

How Insurance Companies Try to Minimize Your Claim (And How We Fight Back)

Lupe Peña spent years working for a national insurance defense firm. He knows their playbook inside and out. Here are the tactics they use to minimize your claim – and how we counter them.

Tactic #1: Quick Contact & Recorded Statement Trap

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

  • “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 with leading questions designed to get you to minimize your injuries or admit fault.

Common 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 not serious
“Were you distracted at all?” Get you to admit distraction
“How fast were you going?” Hope you overestimate or say “I don’t know”

How Attorney911 Counters:

  • DO NOT give recorded statement without us
  • Once you hire Attorney911, we become your voice
  • All calls go through us
  • 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: Quick Settlement Offer Trap

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
  • Sounds good when you have zero money and mounting bills

Their Urgency Tactics:

  • “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. Many serious conditions don’t show symptoms immediately.

What Happens If You Accept:

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 release, can’t reopen claim
You pay $100,000 out of pocket Insurance pays nothing more

How Attorney911 Counters:

  • NEVER settle before Maximum Medical Improvement (MMI)
  • MMI = as good as you’ll get medically
  • Could be 6 months, 12 months, 24+ months depending on injuries
  • Can’t know true case value until MMI
  • We know 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 (IME) Scheme

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 an IME:

  • 10-15 minute “examination” (vs. your treating doctor’s thorough evaluation)
  • Rarely review your complete medical records beforehand
  • Ask questions designed to elicit “I’m feeling better” responses
  • Look for ANY reason to minimize injuries

Common IME Doctor Findings:

What They Say What It Means
“Patient has pre-existing degenerative changes” Everyone over 40 has some arthritis – used to deny claims
“Injuries consistent with minor trauma” Minimizes your pain and suffering
“Patient can return to full duty work” Eliminates lost wage claims
“Treatment has been excessive” Attacks your treating doctors
“Subjective complaints out of proportion to objective findings” Medical speak for calling you a LIAR

How Attorney911 Counters:

  • We prepare you extensively before the exam
  • We send complete medical records to the IME doctor first (forcing review)
  • We challenge biased IME reports with our own medical experts
  • Lupe knows these specific doctors and their biases – he hired them for years

Tactic #4: Delay and Financial Pressure

What They Do:
Insurance companies drag your case out hoping you’ll get desperate:

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

Why Delay Works:
Insurance Companies Have:

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

You Have:

  • Mounting bills
  • Zero income
  • Creditors threatening
  • Need money NOW

Financial Desperation Makes You Accept Less:

  • Month 1: You’d reject $5,000 offer
  • Month 6: You’d seriously consider $5,000
  • Month 12: You’d BEG for $5,000 just to end the nightmare

How Attorney911 Counters:

  • We file 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:
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 contradicting 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:

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

7 Rules for Clients:

  1. Make ALL profiles private immediately
  2. DON’T post about accident, injuries, activities, emotions, case
  3. DON’T check in anywhere
  4. Tell friends/family: don’t tag, 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:
Insurance companies try to assign you MAXIMUM fault to reduce their payment:

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

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

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

Even Small Fault Percentages Cost Thousands:

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

How Attorney911 Counters:

  • Aggressive liability investigation
  • Accident reconstruction proving 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

Colossus: The Software Insurance Companies Use to Undervalue Your Claim

How Colossus Works:

Colossus is the software used by Allstate, State Farm, Liberty Mutual, and other major insurers to calculate settlement values. Lupe Peña used this system when he worked for insurance companies. Here’s how it works:

  1. Data Entry: Adjuster inputs injury codes, treatment types, medical costs, jurisdiction
  2. Coding: Injuries are 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

What You Can Recover: Compensation for Rogers Accident Victims

Types of Damages Available:

Economic Damages (No Cap in Texas):

  • Medical expenses (past and future)
  • Lost wages and lost earning capacity
  • Property damage
  • Out-of-pocket expenses (transportation, home modifications, household help)

Non-Economic Damages (No Cap in Texas):

  • Pain and suffering
  • Mental anguish
  • Physical impairment
  • Disfigurement
  • Loss of enjoyment of life
  • Loss of consortium (impact on marriage/family relationships)

Punitive/Exemplary Damages (Capped):

  • Available for gross negligence or malice
  • Drunk driving cases often qualify
  • Cap: Greater of $200,000 OR (2x economic + 1x non-economic max $750,000)

Settlement Ranges by Injury Type:

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 (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

Herniated Disc (Surgery Required):

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

Traumatic Brain Injury (Moderate to Severe):

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

Attorney911 Case Result:

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

Spinal Cord Injury/Paralysis:

  • Lifetime Care Costs: $2,500,000-$13,000,000+
  • Settlement Range: $4,770,000-$25,880,000

Amputation:

  • Medical Treatment: $170,000-$480,000
  • Future Medical (Prosthetics): $500,000-$2,000,000
  • Settlement Range: $1,945,000-$8,630,000

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.”

Wrongful Death (Working Age Adult):

  • Funeral and burial: $10,000-$20,000
  • Medical expenses before death: $50,000-$500,000
  • Lost financial support: $1,000,000-$4,000,000
  • Loss of companionship: $500,000-$3,000,000
  • Settlement Range: $1,910,000-$9,520,000

Attorney911 Case Result:

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

Why Choose Attorney911 for Your Rogers Accident Case?

1. Insurance Defense Insider Knowledge

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

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

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.”

2. Multi-Million Dollar Results

Attorney911 has recovered millions for clients across Texas, including:

  • Multi-million dollar settlement for brain injury with vision loss
  • Amputation case settled in the millions
  • Millions recovered in trucking wrongful death cases
  • Significant cash settlement for maritime back injury

Our results prove we don’t settle cheap. We fight for maximum compensation.

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 law
  • Diversity jurisdiction for out-of-state defendants
  • BP explosion litigation involved federal court

4. Personal Attention You Deserve

What Our Clients Say:

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

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

“Consistent communication and not one time did i call and not get a clear answer…Ralph reached out personally.” – Dame Haskett

Unlike high-volume firms, you’ll work directly with Ralph or Lupe, not a case manager assembly line.

5. No Fee Unless We Win

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

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

Frequently Asked Questions About Rogers Motor Vehicle Accidents

Immediate After Accident

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

If you’ve been in an accident in Rogers:

  • 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 other driver
  • Get witness names and phone numbers
  • Do NOT give recorded statement to any insurance company
  • Call Attorney911: 1-888-ATTY-911

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

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?

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

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

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

4. What information should I collect at the scene?

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

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

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

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

In Rogers, you can obtain the police report from the Rogers 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.

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 recorded statement. Do NOT discuss injuries or fault.

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

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

10. Should I accept a quick settlement offer?

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

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

Your own UM/UIM coverage can compensate you. Watch our video: “Uninsured & Underinsured Motorists

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?

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: 1-888-ATTY-911

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

In Texas: 2 years from 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 (reduced by your fault %). If 51%+ at fault, you get nothing.

Watch our video: “What Is Comparative Negligence?

17. What happens if I was partially at fault?

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

18. Will my case go to trial?

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

Watch our video: “Will Your Case Go to Trial?

19. How long will my case take to settle?

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

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

  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?

Compensation

21. What is my case worth?

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

22. What types of damages can I recover?

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

23. Can I get compensation for pain and suffering?

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

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

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

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

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

26. How is the value of my claim determined?

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

Attorney Relationship

27. How much do car accident lawyers cost?

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

Watch our video: “How Do Contingency Fees Work?

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

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

29. How often will I get updates?

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

30. Who will actually handle my case?

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

31. What if I already hired another attorney?

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

Mistakes to Avoid

32. What common mistakes can hurt my case?

  • Giving recorded statement without attorney
  • Accepting 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

33. Should I post about my accident on social media?

NO. Make all profiles private. Don’t post about accident, injuries, or activities. Insurance monitors everything.

34. Why shouldn’t I sign anything without a lawyer?

Releases are PERMANENT. Medical authorizations give unlimited access. Settlement offers are binding. Once signed, you can’t undo it.

35. What if I didn’t see a doctor right away?

See one NOW. Explain you didn’t realize severity of injuries. Delayed symptoms are common. We can still help.

Additional Common Questions

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

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

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

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

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

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

39. How do you calculate pain and suffering?

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

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

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

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

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

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

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

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

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

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

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

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

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

Rogers, Texas: Our Community Commitment

Rogers, Texas, is a growing community in Bell County, part of the greater Central Texas region. With easy access to I-35 and US-190, Rogers sees its share of traffic, including local commuters, truck traffic, and visitors passing through.

At Attorney911, we’re committed to serving Rogers and the surrounding Bell County area. While our principal office is in Houston, we handle cases throughout Texas, including:

  • Rogers and all of Bell County
  • Temple, Belton, and Killeen
  • The greater Central Texas region
  • All 254 Texas counties

We understand the unique challenges Rogers accident victims face:

  • Traffic on local roads and highways
  • Truck traffic from regional distribution centers
  • Accidents near local businesses and schools
  • The impact of weather on rural roads

When you call Attorney911, you’re not calling a national call center. You’re calling Texas attorneys who understand your community and are ready to fight for you.

Hablamos Español – Lupe Peña and our staff are fluent in Spanish. Language should never be a barrier to justice.

Call Attorney911 Now: 1-888-ATTY-911

If you’ve been injured in a motor vehicle accident in Rogers, Texas, don’t wait. Evidence disappears daily. Insurance companies are already building their case against you.

Call our legal emergency line at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

What You’ll Get When You Call:

  • Free, no-obligation case evaluation
  • Immediate answers to your questions
  • Clear explanation of your rights
  • No pressure, no risk
  • Compassionate guidance from experienced attorneys

We’re Here When You Need Us:

  • 24 hours a day, 7 days a week
  • Free consultations in English or Spanish
  • Home and hospital visits available
  • We travel to Rogers for your convenience

Remember:

  • Evidence disappears daily
  • The 2-year statute of limitations is real
  • Insurance companies are not on your side
  • You don’t have to face this alone

Call 1-888-ATTY-911 now. Your recovery starts with one call.

Contact Attorney911

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

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

Serving Rogers, Bell County, and all of Texas

Se Habla Español – Lupe Peña and our staff are ready to assist Spanish-speaking clients.

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