Motor Vehicle Accident Lawyers in Putnam, Texas

If you’ve been injured in a car accident in Putnam, Texas, you’re not alone. With one motor vehicle crash occurring every 57 seconds in Texas, accidents are an unfortunate reality on our roads. At Attorney911, we understand the physical, emotional, and financial toll a serious accident can take on you and your family. Our team of experienced Texas car accident lawyers is here to fight for the compensation you deserve while you focus on your recovery.

Why Putnam Accident Victims Choose Attorney911

Putnam, located in Callahan County, sits along Interstate 20, a major thoroughfare that connects East and West Texas. While this highway brings commerce and connectivity to our community, it also brings increased traffic and accident risks. Whether you’re commuting to work, visiting family in nearby Abilene, or traveling through on I-20, the potential for serious accidents is ever-present.

Ralph Manginello, our founding attorney with over 25 years of experience, has built a reputation for aggressive representation and compassionate client care. As a former point guard who understands teamwork and strategy, Ralph brings that same dedication to every case. Our firm’s unique advantage comes from Lupe Peña, a former insurance defense attorney who knows exactly how insurance companies evaluate claims – because he used to calculate them himself.

Common Types of Motor Vehicle Accidents in Putnam

Car Accidents (Tier 1 – 600 words)

Car accidents are the most common type of motor vehicle collision in Putnam and across Texas. In 2024 alone, Texas saw 251,977 people injured in motor vehicle crashes – that’s one person injured every 2 minutes and 5 seconds. In Callahan County, where Putnam is located, we see accidents at intersections, along I-20, and on rural roads where visibility may be limited.

Common causes of car accidents in Putnam include:

• Distracted driving (texting, phone use, eating)
• Speeding on I-20 or rural roads
• Failure to yield at intersections
• Drunk or impaired driving
• Poor weather conditions
• Vehicle maintenance failures

At Attorney911, we’ve helped clients recover millions for car accident injuries. In one 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 – proving that even complications from what might seem like a “minor” accident can result in life-altering consequences.

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

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

Putnam’s location along I-20 makes it a common route for commercial trucks traveling between East and West Texas. With 39,393 commercial motor vehicle crashes in Texas during 2024, trucking accidents represent a significant danger. These accidents often result in catastrophic injuries due to the sheer size and weight of commercial vehicles – up to 80,000 pounds compared to 4,000 pounds for a typical passenger car.

Common causes of trucking accidents in Putnam include:

• Driver fatigue (violating FMCSA Hours of Service regulations)
• Improper loading or unsecured cargo
• Mechanical failures (brakes, tires, lighting)
• Distracted or impaired driving
• Inadequate driver training
• Poor weather conditions on I-20

The Federal Motor Carrier Safety Administration (FMCSA) regulates commercial trucking with strict rules:

• Maximum 11 hours driving after 10 consecutive hours off-duty
• 30-minute break required after 8 hours of driving
• 60/70-hour weekly limits
• Electronic Logging Devices (ELDs) mandatory since 2017

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. Ralph Manginello’s admission to the U.S. District Court, Southern District of Texas, means we can handle complex trucking cases in federal court when necessary.

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

Drunk Driving Accidents (Tier 1 – 600 words)

Alcohol-impaired driving remains a serious problem in Texas, with 1,053 alcohol-related traffic deaths in 2024 – accounting for 25.37% of all traffic fatalities. In Callahan County and surrounding areas, drunk driving accidents often occur on weekends and holidays when people gather at local establishments.

Texas has strong dram shop laws that allow victims to hold bars, restaurants, and other establishments liable when they serve obviously intoxicated patrons who then cause accidents. Signs of obvious intoxication include:

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

Our firm’s unique advantage in drunk driving cases comes from two sources:

1. Ralph Manginello’s membership in the Harris County Criminal Lawyers Association (HCCLA), which gives us insight into both the civil and criminal aspects of these cases
2. Lupe Peña’s experience working with insurance companies, which helps us counter their tactics when they try to minimize your claim

We’ve successfully handled numerous DWI-related cases, including:

• A case where police department breathalyzer machines weren’t properly maintained, leading to dismissal
• A case where EMS and hospital notes were missing, resulting in dismissal on the day of trial
• A case where video evidence showed our client wasn’t drunk, leading to dismissal

Motorcycle Accidents (Tier 2 – 400 words)

With 585 motorcyclist fatalities in Texas during 2024, motorcycle accidents represent a significant danger, especially on rural roads around Putnam. Motorcyclists are particularly vulnerable because they lack the protection of a vehicle’s frame, seatbelts, and airbags.

Common causes of motorcycle accidents in Putnam include:

• Failure to yield right-of-way (most common cause)
• Driver inattention or distraction
• Unsafe lane changes
• Left-turn accidents at intersections
• Speeding on rural roads

Texas law requires helmets for riders under 21, but allows exceptions for riders over 21 who have completed a safety course or have adequate medical insurance. However, helmets reduce the risk of death by 37% and head injury by 69%.

Insurance companies often try to blame motorcyclists for accidents using Texas’ 51% comparative negligence rule. Lupe Peña’s experience as a former insurance defense attorney is particularly valuable in these cases, as he knows exactly how insurance companies build their defense strategies.

Pedestrian Accidents (Tier 2 – 400 words)

Pedestrian accidents are particularly dangerous, with pedestrians accounting for 19% of all roadway deaths despite representing only 1% of crashes. In 2024, Texas saw 6,095 pedestrian crashes resulting in 768 fatalities.

A critical legal point for Putnam pedestrians: Pedestrians always have the right-of-way at intersections, even at unmarked crosswalks. This is a point many drivers don’t understand, and insurance companies won’t explain to you.

Common pedestrian injuries include:

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

If you’ve been struck by a vehicle while walking in Putnam, call Attorney911 immediately. Evidence disappears quickly, and we need to send preservation letters to nearby businesses to secure surveillance footage before it’s automatically deleted.

Hit and Run Accidents (Tier 2 – 350 words)

Hit and run accidents are particularly frustrating because the at-fault driver flees the scene. Nationally, someone is involved in a hit-and-run accident every 43 seconds. In Texas, hit and run penalties are severe:

• Death: 2nd Degree Felony (2-20 years prison)
• Serious Bodily Injury: 3rd Degree Felony (2-10 years prison)
• Property Damage ≥$200: Class B Misdemeanor (up to 6 months jail)

If you’re the victim of a hit and run in Putnam, your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you when the at-fault driver is unidentified. This is why it’s crucial to call Attorney911 immediately – we can help you navigate the UM/UIM claim process and ensure you receive fair compensation.

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

What to Do After an Accident in Putnam

48-Hour Action Protocol

Hour 1-6 (Immediate Crisis):

• 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

Hour 6-24 (Evidence Preservation):

• Preserve all digital evidence (texts, calls, photos, videos)
• Secure damaged clothing and personal items
• Keep receipts for all accident-related expenses
• Request copies of all medical records
• Note any calls from insurance companies
• Do NOT sign anything without attorney review

Hour 24-48 (Strategic Decisions):

• Consult with an experienced motor vehicle accident attorney
• If insurance contacts you, refer them to your attorney
• Do NOT accept settlement offers without review
• Upload all evidence to secure cloud storage
• Create written timeline while memory is fresh

Week One Priorities:

• Continue documenting all injuries
• See specialists if recommended
• Follow ALL doctor recommendations
• Attorney obtains police report and begins investigation

Texas Motor Vehicle Law Framework

Statute of Limitations

Texas Civil Practice & Remedies Code § 16.003 establishes strict deadlines:

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

Missing this deadline means your case is BARRED forever – you cannot file a lawsuit or recover any compensation.

Comparative Negligence (51% Bar Rule)

Texas uses modified comparative negligence with a 51% bar:

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

Texas Minimum Auto Insurance (30/60/25)

Texas requires minimum coverage of:

• $30,000 bodily injury per person
• $60,000 bodily injury per accident
• $25,000 property damage per accident

However, 15.4% of Texas drivers are uninsured. This is why UM/UIM coverage is critical for protection.

How Insurance Companies Try to Cheat You

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

Insurance adjusters contact you IMMEDIATELY after your accident – often while you’re:

• Still in the hospital
• On pain medication
• Confused about what happened
• Scared about your future

They’ll say they just want to “help” and get “your side of the story.” What they’re really doing is building their defense against you with leading questions like:

• “You’re feeling better now though, right?”
• “It wasn’t that bad of an impact, was it?”
• “You were able to walk away from the scene?”
• “Were you distracted at all?”
• “How fast were you going?”

The Truth: You are NOT required to give a recorded statement to the other driver’s insurance company. Everything you say will be recorded, transcribed, and used against you.

How Attorney911 Counters: Once you hire us, we become your voice. All calls go through us. We prepare you properly if a statement becomes absolutely necessary. We know their questions because Lupe asked them for years when he worked for insurance companies.

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

Within days or weeks of your accident, the insurance company will offer you quick money – typically $2,000-$5,000, sometimes up to $15,000 if they’re worried. They’ll create artificial urgency:

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

The Trap: You don’t know the extent of your injuries yet. What seems like a generous offer today might not cover tomorrow’s medical bills.

Real Example:

• Day 3: Insurance offers $3,500 “final settlement”
• You sign the release thinking it’s over
• Week 6: MRI shows herniated disc requiring $100,000 surgery
• TOO LATE: You signed the release, can’t reopen claim
• You pay $100,000 out of pocket

How Attorney911 Counters: We NEVER settle before you’ve reached Maximum Medical Improvement (MMI). This could be 6 months, 12 months, or 24+ months depending on your injuries. We know these offers are always lowball – Lupe calculated them for years.

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

What they call an “Independent Medical Examination” (IME) is really 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
• These doctors consistently find “no injury” or “pre-existing condition”
• They’re paid $2,000-$5,000 per exam by insurance companies
• Repeat business depends on repeat favorable reports

What Happens at the 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 your injuries

Common IME Doctor Findings:

• “Patient has pre-existing degenerative changes” (everyone over 40 has some arthritis)
• “Injuries consistent with minor trauma” (minimizing your pain and suffering)
• “Patient can return to full duty work” (eliminating lost wage claims)
• “Treatment has been excessive” (attacking your treating doctors)
• “Subjective complaints out of proportion to objective findings” (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 (Months 6-12+)

Insurance companies drag out cases 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:

• They have: Unlimited time, unlimited resources, no financial pressure, earning interest on YOUR settlement money
• 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 lawsuits to force deadlines
• We set depositions to make them 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

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 also 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

7 Rules for Clients:

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

Lupe’s Insider Quote:

“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.”

Tactic #6: Comparative Fault Arguments

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” (blame shifting)

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: How Insurance Companies Really Value Your Claim

How Colossus Works

Colossus is the software used by Allstate, State Farm, Liberty Mutual, and other major insurers to calculate claim values. Here’s how it works:

1. Data Entry: Adjuster inputs injury codes, treatment types, costs, and 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

Why Lupe’s Experience Matters

Lupe Peña knows how to:

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

Common Injuries in Putnam Accidents

Traumatic Brain Injury (TBI)

Brain injuries can range from mild concussions to severe, life-altering trauma. Symptoms may be immediate or delayed:

Immediate Symptoms:

• Loss of consciousness
• Confusion and disorientation
• Vomiting and nausea
• Seizures
• Severe headache
• Dilated pupils
• Slurred speech

Delayed Symptoms (Hours to Days Later):

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

Long-Term Complications:

• Chronic Traumatic Encephalopathy (CTE)
• Post-Concussive Syndrome (headaches, dizziness lasting months/years)
• Increased dementia risk
• Personality and mood disorders
• Seizure disorders
• Cognitive impairment

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

Spinal Cord Injuries

Spinal cord injuries can result in partial or complete paralysis:

Secondary Complications:

• Pressure sores
• Respiratory complications
• Bowel and bladder dysfunction
• Sexual dysfunction
• Autonomic dysreflexia (life-threatening blood pressure crisis)
• Depression (40-60% of patients)
• Shortened life expectancy

Herniated Discs

Herniated discs in the spine can cause severe pain and require extensive treatment:

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

Permanent Restrictions Impact:

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

Soft Tissue Injuries

Insurance companies often undervalue soft tissue injuries because:

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

However, soft tissue injuries can be serious:

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

Proper Documentation is Critical:

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

Why Choose Attorney911 for Your Putnam Accident Case

1. Insurance Defense Insider Advantage

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

This is Attorney911’s most powerful competitive advantage. Lupe Peña spent years working FOR insurance companies, learning:

• Claim valuation methods (Colossus software)
• Settlement authority structures
• Defense tactics and delay strategies
• IME (Independent Medical Exam) doctor selection
• Surveillance and investigation methods
• Comparative fault arguments
• Reserve psychology and settlement limits

Now he uses that knowledge FOR victims, not against them.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for victims of:

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

“I lost everything… my car was at a total loss and because of Attorney Manginello and my case worker Leonor… 1 year later I have gained so much in return plus a brand new truck.” – Kiimarii Yup

3. Federal Court Experience

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

• Complex cases often end up in federal court
• FMCSA trucking regulations are federal
• Diversity jurisdiction applies for out-of-state defendants
• Federal court requires different skills than state court

BP Explosion Litigation: “Our firm is one of the few firms in Texas to be involved in BP explosion litigation” – demonstrating our capability to take on billion-dollar corporations.

4. Personal Attention You Deserve

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

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

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

5. Contingency Fee – No Risk to You

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

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

Frequently Asked Questions About Putnam Car Accidents

Immediate After Accident

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

If you’ve been in an accident in Putnam:

• 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 Putnam?

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

Dealing With Insurance

7. Should I give a recorded statement to insurance?

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

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

Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give 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” at https://www.youtube.com/watch?v=kWcNFyb-Yq8

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

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

Legal Process

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. Call Attorney911: 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?” at https://www.youtube.com/watch?v=agzHKY_v9l4

17. What happens if I was partially at fault?

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

18. Will my case go to trial?

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

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

19. How long will my case take to settle?

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

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

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

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

Compensation

21. What is my case worth?

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

22. What types of damages can I recover?

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

23. Can I get compensation for pain and suffering?

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

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

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

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

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

26. How is the value of my claim determined?

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

Attorney Relationship

27. How much do car accident lawyers cost?

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

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

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

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

29. How often will I get updates?

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

30. Who will actually handle my case?

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

31. What if I already hired another attorney?

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

Mistakes to Avoid

32. What common mistakes can hurt my case?

• Giving 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” at https://www.youtube.com/watch?v=r3IYsoxOSxY

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

NO. Make all profiles private. Don’t post about 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 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. The “eggshell plaintiff” rule means the defendant takes you as they find you. 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.

Putnam-Specific Legal Resources

Local Courts Serving Putnam

Putnam residents typically file personal injury lawsuits in:

• Callahan County District Court (Albany, Texas)
• Callahan County Justice of the Peace Courts (various precincts)

For federal cases (such as trucking accidents involving interstate commerce), cases would be filed in the U.S. District Court, Northern District of Texas, Abilene Division.

Nearby Trauma Centers

While Putnam doesn’t have a Level I trauma center, nearby facilities include:

• Hendrick Medical Center (Abilene, Level III Trauma Center)
• Shannon Medical Center (San Angelo, Level III Trauma Center)
• Baylor Scott & White Medical Center – Temple (Level II Trauma Center)

For serious injuries, patients may be transported to:

• John Peter Smith Hospital (Fort Worth, Level I Trauma Center)
• Parkland Memorial Hospital (Dallas, Level I Trauma Center)

Dangerous Roads in the Putnam Area

Putnam’s location along I-20 and proximity to major highways creates specific accident risks:

1. Interstate 20 (I-20): High-speed trucking corridor with:

   • Fatigued truck drivers
   • Speeding passenger vehicles
   • Hazardous weather conditions
   • Construction zones

2. US Highway 283: Rural highway with:

   • Poor lighting at night
   • Wildlife crossings
   • Narrow shoulders
   • Speeding

3. FM 18 (Putnam Road): Local road with:

   • Intersection collisions
   • School zone accidents
   • Limited visibility

4. Local Intersections: Particularly dangerous intersections include:

   • I-20 and FM 18
   • US 283 and FM 18
   • Various rural intersections with limited signage

Local Employers and Industries

Major employers in the Putnam area include:

• Energy sector (oil and gas operations)
• Agriculture (ranching, farming)
• Transportation (trucking companies using I-20)
• Local government (Callahan County offices)
• Education (Putnam ISD, Cisco College)

These industries contribute to specific accident risks:

• Oil field vehicle accidents
• Agricultural equipment collisions
• Trucking accidents on I-20
• Work zone accidents

Call Attorney911 Today

If you’ve been injured in a motor vehicle accident in Putnam, Texas, don’t wait. Evidence disappears daily. Insurance companies are already building their case against you. Our team of experienced Texas car accident lawyers is ready to fight for the compensation you deserve.

Call now for your free consultation: 1-888-ATTY-911

We don’t get paid unless we win your case. With offices serving all of Texas, we’re here to help Putnam accident victims recover the compensation they need to move forward with their lives.

“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

Don’t let insurance companies take advantage of you. Call Attorney911 today at 1-888-ATTY-911 for your free, no-obligation consultation. We’re available 24/7 to help you through this difficult time.