Motor Vehicle Accident Lawyers in Brownwood, Texas | Attorney911

If you’ve been injured in a car accident in Brownwood, Texas, you’re not alone. Every year, thousands of Texans find themselves overwhelmed after motor vehicle crashes—facing medical bills, insurance adjusters, and uncertainty about their future. At Attorney911, we understand what you’re going through. Our Brownwood car accident lawyers have been fighting for accident victims across Texas for over 25 years, and we’re here to help you too.

Brownwood sits at the crossroads of US-67, US-84, and US-377, making it a hub for both local traffic and commercial vehicles passing through. Whether you were rear-ended on US-67 near the Brownwood Regional Medical Center, sideswiped on US-84 near the Brownwood Mall, or involved in a collision on FM 45 near Howard Payne University, our team knows how to navigate the legal complexities of your case.

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 Brownwood Accident Victims Choose Attorney911

We Know Brownwood’s Roads and Legal Landscape

Brownwood’s unique traffic patterns and road conditions create specific accident risks. Our team understands the dangers of:

• US-67 corridor – Heavy commuter traffic between Brownwood and Early, especially during rush hours
• US-84 through downtown – Pedestrian crossings near the Brown County Courthouse and Brownwood Public Library
• FM 45 and FM 2524 – School zone accidents near Brownwood High School and Early ISD
• Commercial truck traffic – 18-wheelers traveling through Brownwood on their way to larger cities
• Intersection collisions – Dangerous crossings like US-67 and US-377, where failure-to-yield accidents are common

We’ve handled cases in Brown County courts and know the local judges, insurance adjusters, and medical providers who may be involved in your claim.

Our Brownwood Car Accident Lawyers Have Recovered Millions for Clients

At Attorney911, we don’t just talk about results—we prove them. Our Brownwood personal injury attorneys have secured life-changing settlements and verdicts for accident victims, including:

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

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

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

These aren’t just numbers—they represent real Brownwood families who received the compensation they needed to rebuild their lives after devastating accidents.

We Know How Insurance Companies Work—Because We Used to Work for Them

This is what makes Attorney911 different from other Brownwood car accident law firms. Lupe Peña, one of our attorneys, spent years working for a national insurance defense firm. He knows exactly how insurance companies:

• Calculate claim values using software like Colossus
• Deploy “independent” medical examiners who always find you less injured
• Use surveillance and social media to catch you in “gotcha” moments
• Delay and deny claims hoping you’ll give up or accept less

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

Now, Lupe uses that insider knowledge to fight FOR you, not against you. When you work with Attorney911, you’re not just getting a lawyer—you’re getting an insurance industry insider who knows all their tricks.

We Offer Personal Attention—Not an Assembly Line

When you call Attorney911, you’ll work directly with our attorneys, not a case manager assembly line. As client Chad Harris said:

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

This personal touch is what sets us apart. We keep you informed every step of the way, answer your questions promptly, and make sure you never feel like just another case number.

No Fee Unless We Win

We understand that accident victims often face financial stress. That’s why we work on a contingency fee basis—you pay nothing unless we win your case. There are no upfront costs, no hourly fees, and no financial risk to you.

Common Types of Motor Vehicle Accidents in Brownwood

Car Accidents in Brownwood

Car accidents are the most common type of motor vehicle collision in Brownwood. In 2024, Texas saw 251,977 people injured in motor vehicle crashes, with 1 crash occurring every 57 seconds. In Brown County alone, there were 344 crashes resulting in 1 fatality and 72 injuries according to TxDOT data.

Common causes of car accidents in Brownwood include:

• Distracted driving (texting, talking on the phone, eating)
• Speeding (especially on US-67 and US-84)
• Failure to yield right of way (common at intersections like US-67/US-377)
• Running red lights or stop signs
• Drunk or drugged driving
• Fatigued driving
• Poor weather conditions (rain, fog, ice)

Common injuries in car accidents:

• Whiplash and soft tissue injuries
• Herniated or bulging discs
• Broken bones and fractures
• Traumatic brain injuries (TBI)
• Spinal cord injuries
• Internal organ damage
• Cuts, bruises, and lacerations

What to do after a Brownwood car accident:

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

18-Wheeler and Trucking Accidents in Brownwood

Brownwood’s location along major highways makes it a hotspot for trucking accidents. In 2024, Texas saw 39,393 commercial motor vehicle crashes, resulting in 608 fatalities and 1,601 serious injuries. Brown County experienced 12 commercial vehicle crashes in the same period.

Why trucking accidents are so dangerous:

• A fully loaded 18-wheeler can weigh up to 80,000 pounds—20 times heavier than the average passenger car
• Trucks require 40% more distance to stop than cars
• Truck drivers often face pressure to meet tight delivery deadlines, leading to fatigue and speeding

Common causes of trucking accidents in Brownwood:

• Driver fatigue (violating Hours of Service regulations)
• Distracted driving (texting, using dispatch devices)
• Speeding or reckless driving
• Improper loading or overloading
• Poor vehicle maintenance
• Drunk or drugged driving
• Inexperienced or poorly trained drivers

Federal regulations that protect you:
The Federal Motor Carrier Safety Administration (FMCSA) sets strict rules for truck drivers and trucking companies, including:

• Hours of Service (HOS) rules: Drivers cannot drive more than 11 hours after 10 consecutive hours off duty
• 30-minute break requirement: Drivers must take a 30-minute break after 8 hours of driving
• 60/70-hour weekly limits: Drivers cannot exceed 60 hours on duty 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 worth more:

• Multiple liable parties: driver, trucking company, cargo loader, vehicle manufacturer
• Higher insurance limits: $750,000 to $5,000,000+ policies
• Federal court experience matters: Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas
• Nuclear verdict potential: Recent Texas trucking verdicts include $37.5 million (Oncor Electric), $44.1 million (New Prime I-35 pileup), and $35 million (Ben E. Keith)

What to do after a Brownwood trucking accident:

1. Call 911 and report the accident
2. Seek immediate medical attention
3. Document the scene with photos and videos (focus on truck details like license plates, company names, and damage)
4. Get the truck driver’s information and the trucking company’s details
5. Do NOT give a recorded statement to any insurance company
6. Call Attorney911 at 1-888-ATTY-911 immediately—ELD data can be overwritten in as little as 30 days

Drunk Driving Accidents in Brownwood

Drunk driving is a serious problem in Texas. In 2024, 1,053 people were killed in alcohol-impaired driving crashes, accounting for 25.37% of all traffic fatalities in the state. Brown County saw 10 alcohol-related crashes in 2024, resulting in 1 fatality and 4 injuries.

Texas Dram Shop Law (TABC § 2.02):
Texas holds bars, restaurants, and other establishments liable if they serve alcohol to someone who is obviously intoxicated and that person later causes an accident. This means you may be able to sue both the drunk driver AND the establishment that over-served them.

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 in drunk driving cases:

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

Why drunk driving cases are worth more:

• Punitive damages available (to punish the drunk driver)
• Multiple defendants (driver + bar/restaurant)
• Criminal case can strengthen civil case
• Insurance cannot defend the indefensible

Our criminal defense advantage:
Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving us unique insight into both the criminal and civil aspects of drunk driving cases. Our firm has successfully defended multiple DWI cases, including:

“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.”

“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 hospital were missing. Case dismissed on day of trial.”

“Our client was charged with DUI/DWI, state’s primary evidence was video field sobriety test. We succeeded in having case dismissed because our client did not appear drunk in the video.”

This criminal defense experience gives us an edge in pursuing civil claims against drunk drivers and the establishments that served them.

What to do after a Brownwood drunk driving accident:

1. Call 911 and report the accident
2. Seek immediate medical attention
3. If you suspect the other driver is drunk, tell the police officer
4. Document the scene with photos and videos
5. Get the other driver’s information and any witness statements
6. Do NOT give a recorded statement to any insurance company
7. Call Attorney911 at 1-888-ATTY-911—we’ll investigate every angle, including dram shop liability

Motorcycle Accidents in Brownwood

Motorcycle accidents are particularly devastating. In 2024, 585 motorcyclists were killed in Texas, and 37% were not wearing helmets. While Brown County saw fewer motorcycle fatalities than larger urban areas, the risk remains significant, especially on scenic routes like FM 2126 and FM 586.

Texas helmet law:

• Riders under 21 must wear a helmet
• Riders 21 and older may ride without a helmet only if they have completed a motorcycle safety course or have at least $10,000 in medical insurance coverage

Common causes of motorcycle accidents in Brownwood:

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

Comparative negligence in motorcycle cases:
Texas uses a 51% bar rule for comparative negligence. This means:

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

Insurance companies always try to blame motorcyclists. They may argue that you were speeding, lane-splitting (which is illegal in Texas), or not wearing a helmet. Lupe Peña’s insurance defense experience helps counter these arguments—he knows exactly how insurance companies try to minimize motorcycle claims because he used to make these arguments himself.

What to do after a Brownwood motorcycle accident:

1. Call 911 and report the accident
2. Seek immediate medical attention—even if you feel fine
3. Document the scene with photos and videos
4. Get the other driver’s information and witness statements
5. Do NOT give a recorded statement to any insurance company
6. Call Attorney911 at 1-888-ATTY-911—we know how to fight the insurance company’s blame game

Pedestrian Accidents in Brownwood

Pedestrians are the most vulnerable road users. In 2024, Texas saw 6,095 pedestrian crashes, resulting in 768 fatalities. While Brown County had fewer pedestrian fatalities than larger urban areas, the risk is still present, especially in areas with heavy foot traffic like:

• Downtown Brownwood (near the Brown County Courthouse and Brownwood Public Library)
• Howard Payne University campus
• Brownwood Regional Medical Center area
• Brownwood Mall and surrounding shopping centers
• School zones (Brownwood High School, Early ISD)

Pedestrians always have the right-of-way at intersections in Texas, even at unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you.

Common causes of pedestrian accidents in Brownwood:

• Drivers failing to yield at crosswalks
• Distracted driving (texting, talking on the phone)
• Speeding (especially in residential areas)
• Drunk or drugged driving
• Poor visibility (dawn, dusk, nighttime)
• Drivers making left turns without checking for pedestrians

Common injuries in pedestrian accidents:

• Traumatic brain injuries (TBI)
• Spinal cord injuries and paralysis
• Broken pelvis, legs, and arms
• Internal organ damage
• Severe lacerations and road rash
• Wrongful death

What to do after a Brownwood pedestrian accident:

1. Call 911 and report the accident
2. Seek immediate medical attention—even if you feel fine
3. Document the scene with photos and videos
4. Get the driver’s information and witness statements
5. Do NOT give a recorded statement to any insurance company
6. Call Attorney911 at 1-888-ATTY-911—we’ll fight for your rights as a pedestrian

Hit and Run Accidents in Brownwood

Hit and run accidents are a serious problem in Texas. Nationwide, someone is involved in a hit-and-run accident every 43 seconds. In Brown County, hit and run accidents are particularly concerning due to the mix of local traffic and transient commercial vehicles passing through.

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

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 5 years in jail, up to $5,000 fine
Property Damage ≥$200	Class B Misdemeanor	Up to 6 months in jail, up to $2,000 fine

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

1. Call 911 and report the accident immediately
2. Seek medical attention if you’re injured
3. Document the scene with photos and videos
4. Look for witnesses and get their contact information
5. Try to remember any details about the fleeing vehicle (make, model, color, license plate)
6. Do NOT attempt to chase the fleeing driver
7. Call Attorney911 at 1-888-ATTY-911—we can help you pursue an Uninsured Motorist (UM) claim

UM/UIM coverage in Texas:

• Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you when the at-fault driver is unidentified or uninsured
• Texas allows inter-policy stacking (combining coverage from multiple vehicles on your policy)
• Standard UM/UIM deductible: $250

Evidence preservation is critical:

• Surveillance footage from nearby businesses is typically deleted within 7-30 days
• Witness memories fade quickly
• We send preservation letters immediately to secure critical evidence

Rideshare Accidents (Uber/Lyft) in Brownwood

Rideshare services like Uber and Lyft have become increasingly popular in Brownwood, especially among Howard Payne University students and visitors to the area. However, rideshare accidents present unique legal challenges due to the complex insurance coverage involved.

Rideshare industry statistics:

• 11 billion trips in the US since 2010
• 17.4 million Uber trips daily
• 118 million Uber users worldwide
• 58% of rideshare accident victims are third parties (other drivers, pedestrians, passengers in other vehicles)

Rideshare insurance coverage phases:

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

Why rideshare cases are complex:

• Insurance coverage varies dramatically based on what the driver was doing at the time of the crash
• Determining the correct insurance phase is critical for maximizing your recovery
• Uber and Lyft often try to deny claims or shift blame
• Lupe Peña’s insurance defense experience helps navigate this complexity

Who can be injured in rideshare accidents:

• 21% Riders (passengers in the rideshare vehicle)
• 21% Drivers (Uber/Lyft drivers)
• 58% Third parties (other drivers, pedestrians, passengers in other vehicles)

What to do after a Brownwood rideshare accident:

1. Call 911 and report the accident
2. Seek medical attention if you’re injured
3. Document the scene with photos and videos
4. Get the rideshare driver’s information and the rideshare company’s details
5. Do NOT give a recorded statement to any insurance company
6. Call Attorney911 at 1-888-ATTY-911—we know how to navigate the complex insurance maze

Delivery Vehicle Accidents in Brownwood

With the rise of online shopping and food delivery services, delivery vehicle accidents have become more common in Brownwood. Whether it’s an Amazon delivery van, a FedEx truck, or a DoorDash driver, these accidents can be particularly complex due to the multiple parties involved.

Key delivery vehicle verdicts:

• 2024 Georgia child struck: $16.2 million (Amazon 85% responsible)
• 2024 Lopez v. All Points 360: $105 million (Amazon DSP)
• Grubhub wrongful death lawsuit (Arizona): Driver distracted by app

Amazon DSP (Delivery Service Partner) liability:

• DSPs contractually required to “defend and indemnify” Amazon
• Higher safety violation rate than average motor carriers
• 1,879 crashes involving Amazon-related motor carriers (24 months ending August 2025)

Why delivery vehicle cases are worth more:

• Trucks are 3x the size and weight of passenger cars, leading to more severe injuries
• $1,000,000+ liability insurance policies are required
• No jury sympathy for corporate defendants
• Business model encourages dangerous behavior (tight delivery windows, distracted driving)

Common delivery vehicle accident scenarios in Brownwood:

• Rear-end collisions (delivery drivers rushing to meet deadlines)
• Distracted driving (using GPS or delivery apps while driving)
• Improper loading (packages falling into roadway)
• Fatigued driving (long shifts to meet delivery quotas)
• Failure to yield (making sudden turns or U-turns)

What to do after a Brownwood delivery vehicle accident:

1. Call 911 and report the accident
2. Seek medical attention if you’re injured
3. Document the scene with photos and videos (focus on the delivery vehicle’s details)
4. Get the driver’s information and the delivery company’s details
5. Do NOT give a recorded statement to any insurance company
6. Call Attorney911 at 1-888-ATTY-911—we know how to hold delivery companies accountable

What to Do After Any Motor Vehicle Accident in Brownwood

The 48-Hour Protocol: Your Immediate Action Plan

After an accident, evidence disappears quickly. Follow this 48-hour protocol to protect your rights and maximize your case value.

Hour 1-6 (Immediate Crisis):

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

✅ Call 911: Report the accident and request medical assistance if anyone is injured. Even if injuries seem minor, it’s important to have a police report on file.

✅ Medical Attention: If you’re injured, get to the Brownwood Regional Medical Center or another local hospital immediately. Adrenaline can mask injuries—you may be hurt and not know it yet.

✅ Document Everything:

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

✅ Exchange Information:

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

✅ Witnesses:

• Get names and phone numbers of any witnesses
• Ask if they saw what happened
• Record their statements if possible (use your phone’s voice memo app)

✅ 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, or personal items
• Keep receipts for any expenses (towing, rental car, medications)
• Do NOT repair your vehicle yet—preserve the damage

✅ Medical Records:

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

✅ Insurance Communications:

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

✅ Social Media:

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

Hour 24-48 (Strategic Decisions):

✅ Legal Consultation:

• Speak with an experienced motor vehicle 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 full extent of your injuries yet

✅ Evidence Backup:

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

Week One Priorities:

✅ Medical Follow-Up:

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

✅ Investigation Begins:

• Attorney obtains police report
• Preservation letters sent to all parties (businesses, trucking companies, etc.)
• 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

Why Evidence Disappears So Quickly

Evidence Deterioration Timeline

Timeframe	What Disappears	Why It Matters
Day 1-7	Witness memories peak, then begin fading immediately	Details become uncertain, witnesses harder to locate
Day 7-30	Surveillance footage deleted (gas stations: 7-14 days, retail stores: 30 days)	Once deleted, it’s gone forever—cannot be recovered
Month 1-2	Insurance companies solidify their defense position	Adjusters build their file against you, settlement position hardens
Month 2-6	Trucking electronic data deleted (ELD data: 30-180 days, black box data: can be overwritten)	Critical evidence for trucking cases disappears
Month 6-12	Witnesses graduate, move away, memory severely degraded	Harder to link injuries to accident, treatment gaps used against you
Month 12-24	Approaching statute of limitations deadline	Creates pressure to settle, evidence severely degraded, case value diminished

Every day you wait, evidence disappears. Call Attorney911 at 1-888-ATTY-911 immediately to protect your case.

Texas Motor Vehicle Accident Laws You Need to Know

Statute of Limitations

Texas Civil Practice & Remedies Code § 16.003

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

Exceptions:

• Discovery Rule: Statute of limitations may start later if injury or cause wasn’t immediately discoverable
• Defendant Absence: Tolled if defendant leaves Texas
• Mental Incapacity: Tolled during incapacity

CRITICAL: If you miss the deadline, your case is barred forever. You cannot file a lawsuit after the statute of limitations expires.

Comparative Negligence (51% Bar Rule)

Texas Civil Practice & Remedies Code § 33.001

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

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

Examples:

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

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

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

Lupe’s insurance defense experience helps counter their comparative fault arguments because he made these arguments for years—now he defeats them.

Texas Minimum Auto Insurance Requirements

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

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
• Texas allows inter-policy stacking (combining multiple UM policies)

How Insurance Companies Try to Screw You (And How We Stop Them)

Insurance companies are not your friends. They’re businesses designed to make money by paying you as little as possible. Lupe Peña spent years working for a national insurance defense firm, so he knows all their tricks—and how to beat them.

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

What they do:
Within days or weeks of your accident, the insurance company will offer you a quick settlement—typically $2,000-$5,000, sometimes up to $15,000 if they’re worried about your case.

They create artificial urgency:

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

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

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

What happens if you accept:
You sign a release, which is permanent and final. If you later discover you need surgery or have permanent injuries, you cannot reopen your claim—even if your medical bills exceed the settlement amount.

Real-life example:

A Brownwood client was offered $3,500 three days after her accident. She was desperate for money and signed the release. Six weeks later, an MRI revealed a herniated disc requiring surgery. The surgery cost $100,000, but because she signed the release, the insurance company paid nothing more. She was left with $100,000 in medical bills and no way to recover compensation.

How Attorney911 counters:

• We never settle before Maximum Medical Improvement (MMI)—the point at which you’ve recovered as much as you’re going to
• We know early offers are always lowball—typically 10-20% of the true case value
• Lupe calculated these lowball offers for years—he knows they’re offering pennies on the dollar

Tactic #2: The Recorded Statement Trap (Days 1-3)

What they do:
Insurance adjusters will contact you immediately—often while you’re still in the hospital, on pain medication, scared, and confused. They’ll act friendly and helpful:

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

What they’re really doing:
They’re building their defense against you with leading questions designed to get you to say things that hurt your case.

Common questions and traps:

Question They Ask	What They Want You to Say	Why It’s a Trap
“You’re feeling better now though, right?”	“Yes, I’m feeling better.”	Gets you to say you’re improving, even if you’re not
“It wasn’t that bad of an impact, was it?”	“No, it wasn’t too bad.”	Minimizes the severity of the collision
“You were able to walk away from the scene?”	“Yes, I walked to the ambulance.”	Suggests injuries aren’t serious
“Were you distracted at all?”	“I might have been looking at my phone.”	Gets you to admit distraction (even if it didn’t cause the accident)
“How fast were you going?”	“I don’t know, maybe 45?”	If you guess too high, they’ll claim you were speeding

The truth:

• You are NOT required to give a recorded statement to the other driver’s insurance company
• Giving a statement without an attorney almost always hurts your case
• Insurance companies know this—that’s why they push so hard

Lupe’s insider perspective:

“I’ve reviewed hundreds of surveillance videos and social media posts as 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.”

How Attorney911 counters:

• Do NOT give a recorded statement without us
• Once you hire Attorney911, we become your voice
• All calls go through us
• You don’t talk to adjusters
• We prepare you properly if a statement becomes absolutely necessary
• We sit with you during any statements
• We know their questions because Lupe asked them for years

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

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

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

How insurance companies choose IME doctors:
They don’t pick the most qualified doctors—they pick the ones who give them the reports they want. Selection criteria include:

• Doctors who consistently find “no injury” or “pre-existing condition”
• Doctors who are paid thousands by insurance companies ($2,000-$5,000 per exam)
• Doctors who get repeat business from insurance companies (which means repeat favorable reports)

What happens at an IME:

• A 10-15 minute “examination” (vs. your treating doctor’s thorough evaluation)
• The doctor rarely reviews your complete medical records beforehand
• They ask questions designed to elicit “I’m feeling better” responses
• They 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 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 money.

• “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	You
Unlimited time	Mounting bills
Unlimited resources	Zero income
No financial pressure	Creditors threatening
Earning interest on YOUR settlement money	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—he 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 also monitor ALL your social media accounts:

• Facebook, Instagram, TikTok, LinkedIn, Twitter/X, 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	What 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”	Client was sitting quietly having dinner
Friend’s Comment	Friend posted “Had fun yesterday!”	Evidence of non-injury	Client was resting at home
Walking Dog	Video of client walking dog slowly	“Not disabled”	Doctor recommended short walks
Smiling in Photo	Family photo where client is smiling	“Not in pain—she’s smiling!”	Everyone smiles for photos

7 Rules for clients:

1. Make ALL profiles private immediately
2. Do NOT post about the accident, injuries, activities, or emotions
3. Do NOT check in anywhere
4. Tell friends and family: don’t tag you, don’t post about you
5. Don’t accept friend requests from strangers (fake profiles)
6. Best option: 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% or more at fault, you get nothing
• If you’re 50% or less at fault, your damages are reduced by your percentage

Even small fault percentages cost you thousands:

• 10% fault on 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:
We conduct an aggressive liability investigation:

• Accident reconstruction proving the other driver’s fault
• Witness statements supporting your version
• Police report analysis emphasizing citations
• Expert testimony on perception-reaction time
• Lupe knows their fault arguments because he made them for years—now he defeats them

The Colossus Software System: How Insurance Companies Actually Value Your Claim

What is Colossus?
Colossus is a computerized claim valuation system used by Allstate, State Farm, Liberty Mutual, and other major insurance companies.

How it works:

1. Data Entry: Adjuster inputs injury codes, treatment types, 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 the range without supervisor approval

How insurance companies manipulate Colossus:

Manipulation	Effect
Low Injury Codes	“Soft tissue strain” instead of “disc herniation” reduces value 50-100%
Excessive Treatment Flags	Physical therapy beyond “normal” range triggers reduction
Conservative Treatment Penalty	Chiropractic care 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:

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

What You Can Recover in a Brownwood Motor Vehicle Accident Case

Types of Damages

Economic Damages (No Cap in Texas)

Economic damages are quantifiable financial losses with clear dollar amounts.

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

Non-Economic Damages (No Cap Except Medical Malpractice)

Non-economic damages compensate for intangible losses that don’t have a clear dollar amount.

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 on daily activities
Disfigurement	Scarring, permanent visible injuries affecting appearance
Loss of Consortium	Impact on marriage and family relationships, loss of companionship
Loss of Enjoyment of Life	Inability to participate in activities you previously enjoyed

Punitive/Exemplary Damages (Capped)

Punitive damages are available in cases involving gross negligence, fraud, or malice. They are designed to punish the defendant and deter similar conduct.

When punitive damages apply:

• Drunk driving accidents
• Extreme speeding or reckless driving
• Hit and run accidents
• Cases involving fraud or intentional misconduct

Punitive damage cap in Texas:
The greater of:

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

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 (TBI) – Moderate to Severe

Medical Treatment:

• Emergency room and trauma care: $10,000-$30,000
• Hospital/ICU stay (1-4 weeks): $50,000-$200,000
• Neurosurgery if required: $75,000-$200,000
• Acute rehabilitation facility: $30,000-$100,000
• Neurologist follow-up care: $10,000-$30,000
• Neuropsychological testing: $3,000-$8,000
• Cognitive therapy: $15,000-$50,000
• Medications: $5,000-$20,000
• Total Past Medical: $198,000-$638,000

Future Medical (Life Care Plan): $300,000-$3,000,000+ depending on severity
Lost Wages: $50,000-$200,000
Lost Earning Capacity: $500,000-$3,000,000+
Pain & Suffering: $500,000-$3,000,000+

Settlement Range: $1,548,000-$9,838,000

Attorney911 Documented Result:

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

Spinal Cord Injury / Paralysis

Lifetime Care Costs by Level:

Injury Level	First Year	Each Year After	Lifetime Total
High Tetraplegia (C1-C4)	$1,200,000-$1,500,000	$200,000-$250,000	$6,000,000-$13,000,000+
Low Tetraplegia (C5-C8)	$850,000-$1,100,000	$75,000-$100,000	$3,700,000-$6,100,000+
Paraplegia (T1-L5)	$500,000-$750,000	$70,000-$90,000	$2,500,000-$5,250,000+

Settlement Range: $4,770,000-$25,880,000

Amputation

Medical Treatment:

• Emergency care and surgery: $80,000-$200,000
• Hospital stay: $50,000-$150,000
• Rehabilitation: $30,000-$100,000
• Initial prosthetic fitting: $10,000-$30,000
• Total Past Medical: $170,000-$480,000

Future Medical (Lifetime Prosthetics):

• Basic prosthetic leg: $5,000-$15,000 every 3-5 years
• Advanced computerized prosthetic: $50,000-$100,000 every 3-5 years
• Over lifetime (30-50 years): $500,000-$2,000,000

Settlement Range: $1,945,000-$8,630,000

Attorney911 Documented Result:

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

Wrongful Death (Working Age Adult)

Economic Damages:

• Funeral and burial: $10,000-$20,000
• Medical expenses before death: $50,000-$500,000
• Lost financial support to family (present value): $1,000,000-$4,000,000

Non-Economic Damages:

• Loss of companionship, society, love: $500,000-$3,000,000
• Loss of advice and counsel: $100,000-$500,000
• Mental anguish (family members): $250,000-$1,500,000

Settlement Range: $1,910,000-$9,520,000

Attorney911 Documented Result:

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

Why Choose Attorney911 for Your Brownwood Motor Vehicle Accident Case?

1. We Know How Insurance Companies Work—Because We Used to Work for Them

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

This is what makes Attorney911 different from other Brownwood car accident law firms. Lupe spent years working for insurance companies, so he knows all their tricks—and how to beat them. When you work with Attorney911, you’re not just getting a lawyer—you’re getting an insurance industry insider who fights for you.

What Lupe learned working for insurance companies:

• How they calculate claim values using software like Colossus
• How they set reserve amounts (the maximum they’re willing to pay)
• How they select IME doctors who always find you less injured
• How they use surveillance and social media to catch you in “gotcha” moments
• How they delay and deny claims hoping you’ll give up or accept less

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

2. We Have a Proven Track Record of Multi-Million Dollar Results

At Attorney911, we don’t just talk about results—we prove them. Our Brownwood personal injury attorneys have secured life-changing settlements and verdicts for accident victims, including:

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

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

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

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

These aren’t just numbers—they represent real Brownwood families who received the compensation they needed to rebuild their lives after devastating accidents.

3. We Have Federal Court Experience—Essential for Complex Cases

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas. This federal court experience is essential for handling:

• Trucking accidents (FMCSA regulations are federal)
• Complex product liability cases (like Tesla Autopilot accidents)
• Cases against out-of-state defendants
• Multi-district litigation (like the BP explosion case)

Our involvement in BP explosion litigation demonstrates our capability to take on billion-dollar corporations and win. We’re one of the few firms in Texas to be involved in this complex litigation.

4. We Offer Personal Attention—Not an Assembly Line

When you call Attorney911, you work directly with our attorneys—not a case manager assembly line. As client Chad Harris said:

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

This personal touch is what sets us apart. We keep you informed every step of the way, answer your questions promptly, and make sure you never feel like just another case number.

What our clients say about our communication:

“Melanie was excellent. She kept me informed and when she said she would call me back, she did.” — Brian Butchee

“When I felt I had no hope or direction, Leonor reached out to me…She took all the weight of my worries off my shoulders.” — Stephanie Hernandez

“Leonor and Amanda were amazing, they walked me through everything with my car accident.” — Kelly Hunsicker

5. No Fee Unless We Win

We understand that accident victims often face financial stress. That’s why we work on a contingency fee basis—you pay nothing unless we win your case. There are no upfront costs, no hourly fees, and no financial risk to you.

How our contingency fee works:

• Free consultation: We’ll review your case at no cost
• No upfront fees: You pay nothing to get started
• We advance all case costs: We pay for experts, court fees, and other expenses
• You only pay if we win: Our fee is a percentage of your recovery
• If we don’t win, you owe us nothing

Frequently Asked Questions About Motor Vehicle Accidents in Brownwood

Immediate After Accident

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

If you’ve been in an accident in Brownwood:

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

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

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

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

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

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

Insurance companies use delays in treatment against you. Get checked immediately at Brownwood Regional Medical Center or another local hospital.

4. What information should I collect at the scene?

• Other driver’s name, phone number, and address
• Insurance company and policy number
• Driver’s license number
• License plate number
• Vehicle make, model, and color
• Witness names and phone numbers
• Photos of all vehicle damage, injuries, and the accident scene

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 of fault)
• Do NOT give your opinion on what happened
• Stick to facts only

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

You can obtain the police report from the Brownwood 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 the insurance company?

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

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

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

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

No. Their estimate is just an offer. It’s usually far below the actual value of your vehicle. Attorney911 can help you negotiate a fair settlement for your property damage.

10. Should I accept a quick settlement offer from the insurance company?

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?

Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you when the other driver has no insurance or insufficient insurance. Texas allows inter-policy stacking (combining coverage from multiple vehicles on your policy).

12. Why does the insurance company 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 a medical authorization 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 in Brownwood?

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

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

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

16. What is comparative negligence, and how does it affect my case?

Texas uses the 51% bar rule for comparative negligence. This means:

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

Insurance companies always try to assign maximum fault to you to reduce their payment.

17. Will my case go to trial?

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

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

18. How long will my case take to settle?

It depends on the severity of your injuries. We don’t settle until you’ve reached Maximum Medical Improvement (MMI)—the point at which you’ve recovered as much as you’re going to. This could be 6 months for minor injuries, 18-24 months for serious injuries.

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

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

Watch our video: “What Is the Process for a Personal Injury Claim?”

Compensation

20. What is my case worth?

It depends on:

• The severity of your injuries
• Your medical costs (past and future)
• Your lost wages and lost earning capacity
• The impact on your daily life
• The available insurance coverage

Cases range from $15,000 for soft tissue injuries to millions for catastrophic injuries.

21. What types of damages can I recover?

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

22. Can I get compensation for pain and suffering?

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

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

You can still recover if the accident aggravated or worsened your pre-existing condition. This is called the “eggshell plaintiff” rule—the defendant takes you as they find you.

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

Generally, compensation for physical injuries is not taxable. Punitive damages are taxable. Consult a tax professional for specific advice.

25. How is the value of my claim determined?

Based on:

• Your medical bills
• Future treatment costs
• Lost income
• Permanent impairment rating
• Comparable verdicts and settlements
• The severity of your injuries
• The impact on your daily life

Attorney Relationship

26. How much do car accident lawyers cost in Brownwood?

Attorney911 works on a contingency fee basis—you pay nothing unless we win your case. Our fee is a percentage of your recovery, typically 33.33% before trial and 40% if the case goes to trial.

Watch our video: “How Do Contingency Fees Work?”

27. 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, and you only pay if we win.

28. How often will I get updates on my 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.”

29. Who will actually handle my case?

At Attorney911, you work directly with Ralph Manginello or Lupe Peña, not just paralegals. As Chad Harris said:

“You are NOT just some client…You are FAMILY to them.”

30. 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.”

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

Yes. You can fire your attorney at any time. If your current attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you have the right to switch to Attorney911.

Specific Situations

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

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

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

File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is critical—most footage is deleted within 7-30 days. We send preservation letters immediately to secure critical evidence.

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

YES. Your 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, and we’ve successfully represented clients of all immigration statuses. Lupe Peña is fluent in Spanish.

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

Parking lot accidents are fully compensable. Insurance companies often argue that “parking lot accidents are always 50/50 fault,” but this is not true. We prove fault through surveillance video, witness statements, damage analysis, and traffic patterns.

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

You can sue the driver, even if you were riding with them (friend, family member, Uber driver). You’re an innocent victim, and the driver’s insurance covers passengers. There are no comparative fault issues (you weren’t driving). We handle the difficult conversation so you don’t have to.

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

You can still pursue a claim against the deceased driver’s estate and insurance. The insurance policy still applies, and the estate may have assets. Wrongful death laws protect both sides. These cases are emotionally complex but legally straightforward.

Additional Common Questions

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

You can still recover. If the accident aggravated your pre-existing condition, you’re entitled to compensation for the aggravation. The “eggshell plaintiff” rule means the defendant takes you as they find you. For example: If you had mild occasional back pain before the accident, and the accident caused a herniated disc requiring surgery, you recover for the new injury, not just the pre-existing pain. We hire medical experts to prove the difference.

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

YES. You can fire your attorney at any time. If your attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you have the right to switch to Attorney911. We’ve taken over many cases from other attorneys. As Greg Garcia said:

“In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.”

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

Uninsured/Underinsured Motorist claims are against your own 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 to maximize your recovery. Texas allows inter-policy stacking (combining coverage from multiple vehicles on your policy). Lupe’s insurance knowledge is critical for navigating UM/UIM claims.

41. How do you calculate pain and suffering?

Most commonly using the multiplier method:
Total Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage

The multiplier ranges from 1.5 to 5, depending on:

• Injury severity
• Permanency
• Impact on life
• Clear liability

For example:

• $100,000 medical × 4 multiplier = $400,000 pain and suffering
• Lupe calculated these multipliers for years—he knows how to justify higher multipliers

42. What if I was hit by a delivery vehicle (Amazon, FedEx, DoorDash)?

Delivery vehicle accidents are complex due to the multiple parties involved. You may be able to sue:

• The delivery driver
• The delivery company (Amazon, FedEx, UPS)
• The vehicle owner
• The parent company

These cases often involve higher insurance limits and corporate defendants. Recent verdicts include:

• $16.2 million (Amazon delivery van struck child)
• $105 million (Amazon DSP driver)
• $5 million (Grubhub distracted driving)

43. What if I was injured in a rideshare accident (Uber/Lyft)?

Rideshare accidents present unique insurance challenges due to the complex coverage phases. Insurance coverage varies dramatically based on what the driver was doing at the time of the crash:

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

Lupe’s insurance defense experience helps navigate this complex maze.

44. What if I was injured in a motorcycle accident?

Motorcycle accidents are particularly devastating. In 2024, 585 motorcyclists were killed in Texas, and 37% were not wearing helmets. Insurance companies always try to blame motorcyclists, even when the accident wasn’t their fault. Texas’s 51% bar rule means:

• If you’re 50% or less at fault, you can recover (reduced by your percentage of fault)
• If you’re 51% or more at fault, you recover nothing

Lupe’s insurance defense experience helps counter the insurance company’s blame game.

45. What if I was a pedestrian hit by a car?

Pedestrians are the most vulnerable road users. In 2024, Texas saw 6,095 pedestrian crashes, resulting in 768 fatalities. Pedestrians always have the right-of-way at intersections, even at unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you.

Common injuries in pedestrian accidents include:

• Traumatic brain injuries
• Spinal cord injuries and paralysis
• Broken pelvis, legs, and arms
• Internal organ damage
• Wrongful death

Brownwood Motor Vehicle Accident Resources

Local Hospitals and Medical Centers

• Brownwood Regional Medical Center
  1501 Burnet Dr, Brownwood, TX 76801
  (325) 646-8541
  Level III Trauma Center

• Brownwood Emergency Room
  100 S Park Dr, Brownwood, TX 76801
  (325) 649-0000

• Baird Family Health Center
  300 Early Blvd #105, Early, TX 76802
  (325) 646-1511

Local Law Enforcement Agencies

• Brownwood Police Department
  1050 W Commerce St, Brownwood, TX 76801
  (325) 646-2525
  For non-emergencies and accident reports

• Brown County Sheriff’s Office
  105 W Commerce St, Brownwood, TX 76801
  (325) 646-5510

• Texas Department of Public Safety (DPS) – Brownwood
  2000 Austin Ave, Brownwood, TX 76801
  (325) 646-5531

Local Courts

• Brown County Courthouse
  200 S Broadway St, Brownwood, TX 76801
  (325) 643-2594
  District and County Courts at Law

• Brownwood Municipal Court
  501 Centre Ave, Brownwood, TX 76801
  (325) 646-6056

Local Towing and Repair Services

• Brownwood Wrecker Service
  (325) 646-6000

• Brownwood Collision Center
  2400 Austin Ave, Brownwood, TX 76801
  (325) 646-1500

Local Rental Car Services

• Enterprise Rent-A-Car
  1000 Austin Ave, Brownwood, TX 76801
  (325) 646-9999

• Hertz Rent A Car
  2000 Austin Ave, Brownwood, TX 76801
  (325) 646-5531

Local Support Groups

• Brain Injury Association of Texas – West Texas Chapter
  Support for traumatic brain injury survivors and families

• Spinal Cord Injury Support Group – West Texas
  Support for spinal cord injury survivors and families

• Mothers Against Drunk Driving (MADD) – Texas
  Support for victims of drunk driving accidents

Why Brownwood Accident Victims Trust Attorney911

When you’ve been injured in a motor vehicle accident in Brownwood, you need a law firm that:

• Understands Brownwood’s roads and legal landscape
• Has a proven track record of multi-million dollar results
• Knows how insurance companies work—because we used to work for them
• Offers personal attention, not an assembly line
• Works on a contingency fee basis—no fee unless we win

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.

What our clients say about Attorney911:

“Melanie was excellent. She kept me informed and when she said she would call me back, she did. I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.” — Brian Butchee

“When I felt I had no hope or direction, Leonor reached out to me…She took all the weight of my worries off my shoulders.” — Stephanie Hernandez

“Leonor is the best!!! She was able to assist me with my case within 6 months.” — Tymesha Galloway

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

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

“They make you feel like family and even though the process may take some time, they make it feel like a breeze. They fought for me to get every dime I deserved.” — Glenda Walker

Contact Attorney911 Today

If you or a loved one has been injured in a motor vehicle accident in Brownwood, Texas, don’t wait. Evidence disappears daily, and the 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.

Attorney911 – The Manginello Law Firm, PLLC
Principal Office: Houston, Texas
Serving Brownwood and all of Brown County

Se habla español. Lupe Peña and our team are ready to help Spanish-speaking clients.

Hablamos Español. No deje que las barreras del idioma le impidan obtener la compensación que merece. Llame al 1-888-ATTY-911 hoy mismo.

This content is for informational purposes only and does not constitute legal advice. Every case is unique, and past results do not guarantee future outcomes. Attorney911 works on a contingency fee basis—you pay nothing unless we win your case. Free consultation available. Principal office located in Houston, Texas. Serving Brownwood and all of Brown County.