Car Accidents in Archer County, Texas: Your Legal Emergency Guide

If you’ve been injured in a car accident in Archer County, Texas, your life changed in an instant. One moment you were driving to work, picking up groceries, or heading home to your family – the next, you’re facing mounting medical bills, lost wages, and an insurance company that’s already building a case against you. At Attorney911, we understand the overwhelming fear and confusion you’re experiencing. With over 25 years of experience fighting for accident victims across Texas, our Archer County car accident lawyers are here to protect your rights and fight for the compensation you deserve.

The Harsh Reality of Car Accidents in Texas

Texas roads are among the most dangerous in the nation. In 2024 alone:

251,977 people were injured in Texas motor vehicle crashes
1 crash occurred every 57 seconds somewhere in the state
1 person was injured every 2 minutes and 5 seconds
4,150 people lost their lives in preventable accidents

In Archer County and the surrounding North Texas region, these statistics aren’t just numbers – they represent real families whose lives have been forever changed by negligent drivers. Whether you were rear-ended on Highway 281, T-boned at a rural intersection, or involved in a multi-vehicle pileup on I-44, the aftermath can be devastating.

Why Archer County Car Accidents Are Different

Archer County presents unique challenges for accident victims:

Rural roads with high-speed limits create dangerous conditions where minor mistakes can lead to catastrophic crashes
Limited medical facilities mean many victims must travel to Wichita Falls or other regional centers for specialized treatment
Insurance adjusters from major metro areas may not understand the local factors that contributed to your accident
Truck traffic from oil field operations increases the risk of commercial vehicle accidents

Our firm has deep roots in North Texas and understands the specific legal landscape of Archer County. When you call Attorney911, you’re not just getting a Texas car accident lawyer – you’re getting a team that knows Archer County’s roads, courts, and insurance companies.

Common Causes of Car Accidents in Archer County

While every accident is unique, we frequently see these dangerous situations on Archer County roads:

Distracted Driving – Texting, navigation systems, and in-car entertainment take drivers’ eyes off the road
Speeding – Excessive speed reduces reaction time and increases crash severity
Failure to Yield – Especially dangerous at rural intersections without traffic signals
Drunk Driving – Despite strict laws, alcohol-related crashes remain a serious problem
Fatigued Driving – Long commutes and overnight shifts contribute to drowsy driving
Poor Weather Conditions – Ice, fog, and heavy rain create hazardous driving conditions
Vehicle Defects – Faulty brakes, tire blowouts, and other mechanical failures
Roadway Hazards – Poorly maintained roads, missing signs, and inadequate lighting

The Injuries That Change Lives Forever

Car accidents can cause injuries that range from minor to life-altering. Some of the most common – and most serious – injuries we see include:

Traumatic Brain Injuries (TBI)

Even “mild” concussions can have lasting effects. Symptoms may not appear immediately, making it critical to seek medical attention right away. TBIs can cause:

Memory problems and confusion
Mood swings and personality changes
Difficulty concentrating
Chronic headaches
Sleep disturbances
Increased risk of dementia later in life

Spinal Cord Injuries and Paralysis

Damage to the spinal cord can result in partial or complete paralysis. The lifetime cost of caring for someone with spinal cord injury can exceed $5 million.

Herniated and Bulging Discs

The force of a collision can cause discs in your spine to rupture or bulge, pressing on nerves and causing chronic pain. These injuries often require:

Physical therapy
Pain management
Epidural steroid injections
Surgery (discectomy or spinal fusion)

Broken Bones and Fractures

From simple fractures to complex breaks requiring surgical intervention, broken bones can keep you out of work for months. Common fractures include:

Arms and wrists (from bracing against impact)
Legs and ankles
Ribs (which can puncture lungs)
Pelvis (often requiring extensive rehabilitation)

Internal Organ Damage

The force of a collision can cause internal bleeding and organ damage that may not be immediately apparent. These injuries can be life-threatening if not treated promptly.

Soft Tissue Injuries

While often dismissed as “minor,” soft tissue injuries like whiplash can cause chronic pain and disability. Symptoms may not appear for days after the accident.

Psychological Trauma

The emotional impact of a car accident can be just as devastating as physical injuries. Many victims experience:

Post-Traumatic Stress Disorder (PTSD)
Anxiety about driving or riding in vehicles
Depression and mood disorders
Sleep disturbances and nightmares

The Insurance Company’s Playbook – And How We Counter It

Within hours of your accident, the other driver’s insurance company will be building a case against you. Their goal isn’t to help you – it’s to pay you as little as possible. Having a former insurance defense attorney on our team gives us an unprecedented advantage.

Tactic 1: The Friendly Adjuster

What They Do: Call you immediately, often while you’re still in the hospital. They’ll sound concerned and helpful, saying things like:

“We just want to help you get back on your feet”
“Let’s get your side of the story so we can process your claim”
“This is just routine – everyone does this”

The Trap: They’re recording your statement to find inconsistencies and minimize your injuries.

How We Counter It: We handle all communication with insurance companies. You’ll never speak to an adjuster without us by your side.

Tactic 2: The Quick Cash Offer

What They Do: Offer you a few thousand dollars within days of the accident. They’ll create artificial urgency:

“This offer expires in 48 hours”
“We can only approve this amount right now”
“Take it or leave it”

The Trap: You don’t know the full extent of your injuries yet. That $5,000 offer might seem good now, but what if you need surgery next month?

How We Counter It: We never settle before you’ve reached Maximum Medical Improvement (MMI). We know these offers are always lowball – Lupe Peña used to calculate them for insurance companies.

Tactic 3: The “Independent” Medical Exam

What They Do: Send you to a doctor they’ve hired to “evaluate” your injuries. The exam typically lasts 10-15 minutes.

What Really Happens: The doctor is paid by the insurance company to find reasons to minimize your injuries. Common findings include:

“Patient has pre-existing degenerative changes” (everyone over 40 has some arthritis)
“Injuries consistent with minor trauma” (downplaying your pain)
“Patient can return to full duty work” (eliminating lost wage claims)
“Treatment has been excessive” (attacking your doctors)

How We Counter It: Lupe Peña knows these doctors – he hired them when he worked for insurance companies. We prepare you thoroughly for the exam and challenge biased reports with our own medical experts.

Tactic 4: Surveillance and Social Media Monitoring

What They Do: Hire private investigators to follow you and monitor your social media accounts.

What They’re Looking For: Any activity that contradicts your injury claims, such as:

Bending over to pick something up
Carrying groceries
Smiling in a photo
Checking in at a restaurant

The Truth: Insurance companies take innocent activity out of context. As Lupe Peña explains: “I’ve reviewed hundreds of surveillance videos as a defense attorney. 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 We Counter It: We advise all our clients to:

Make all social media profiles private immediately
Never post about the accident, injuries, or activities
Tell friends and family not to tag you in posts
Assume everything is being monitored

Tactic 5: Delay, Deny, Defend

What They Do: Drag out your claim for months or years, hoping you’ll get desperate and accept a low offer.

Why It Works: While they have unlimited time and resources, you have:

Mounting medical bills
No income if you can’t work
Creditors threatening collection
Financial desperation

How We Counter It: We file lawsuits to force deadlines. We set depositions. We prepare for trial. We show them we’re not bluffing.

Tactic 6: The Comparative Fault Game

What They Do: Try to blame you for the accident to reduce their payment. Common arguments include:

“You were speeding” (even without evidence)
“You weren’t paying attention”
“You could have avoided the accident”
“You were distracted”

Why It Matters: Texas uses the 51% bar rule. If they can prove you were 51% or more at fault, you get nothing. Even if you’re only 25% at fault, your compensation is reduced by 25%.

How We Counter It: Lupe Peña knows these arguments because he made them for years as a defense attorney. Now he uses that knowledge to defeat them.

Colossus: The Software Insurance Companies Use to Undervalue Your Claim

Most major insurance companies use a computerized claim valuation system called Colossus. This software determines how much they’ll offer to settle your claim. Here’s how it works – and how we beat it:

Data Entry: The adjuster inputs your injury codes, treatment types, and costs
Coding: Your injuries are assigned specific medical codes
Calculation: The software applies algorithms to determine a settlement range
Output: The system provides a recommended settlement amount

The Problem: Insurance companies manipulate Colossus to undervalue claims:

They use lower injury codes than your actual condition warrants
They flag “excessive” treatment to reduce value
They apply conservative treatment penalties
They use pre-existing conditions to reduce value

How We Counter It: Lupe Peña knows how to present medical records to maximize Colossus valuations. He knows which medical terms trigger higher payouts and how to document your case properly.

What Your Car Accident Case Is Really Worth

Insurance companies want you to believe your case is only worth a few thousand dollars. The truth is that car accident settlements depend on many factors:

Injury Type	Medical Costs	Lost Wages	Pain & Suffering	Total Settlement Range
Soft Tissue (Whiplash, Sprains)	$6,000-$16,000	$2,000-$10,000	$8,000-$35,000	$15,000-$60,000
Broken Bone (Simple Fracture)	$10,000-$20,000	$5,000-$15,000	$20,000-$60,000	$35,000-$95,000
Broken Bone (Requiring Surgery)	$47,000-$98,000	$10,000-$30,000	$75,000-$200,000	$132,000-$328,000
Herniated Disc (Conservative Treatment)	$22,000-$46,000	$8,000-$25,000	$40,000-$100,000	$70,000-$171,000
Herniated Disc (Surgery Required)	$96,000-$205,000	$20,000-$50,000	$150,000-$450,000	$346,000-$1,205,000
Traumatic Brain Injury	$198,000-$638,000	$50,000-$200,000	$500,000-$3,000,000	$1,548,000-$9,838,000
Spinal Cord Injury (Paraplegia)	$500,000-$750,000	$70,000-$90,000/year	$2,000,000-$5,000,000	$4,770,000-$25,880,000
Amputation	$170,000-$480,000	$20,000-$50,000	$500,000-$2,000,000	$1,945,000-$8,630,000
Wrongful Death	$50,000-$500,000	$1,000,000-$4,000,000	$500,000-$3,000,000	$1,910,000-$9,520,000

Attorney911 Case Result: “In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions.”

Why Archer County Accident Victims Choose Attorney911

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 isn’t just a credential – it’s a game-changing advantage. Lupe spent years working for insurance companies, learning:

How they calculate claim values (Colossus software)
What settlement authority adjusters have
Which IME doctors they favor (he hired them)
How they build cases against victims
When to push for trial vs. settle

Now he uses that knowledge FOR you, not against you.

2. Multi-Million Dollar Results

Our firm has recovered millions for car accident victims across Texas:

Multi-million dollar settlement for a client who suffered a brain injury with vision loss
Millions recovered for a client whose leg injury led to partial amputation
Significant settlements in countless other cases

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

3. Federal Court Experience

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

Complex cases with multiple defendants
Cases involving interstate commerce
Taking on large corporations
Handling cases that may be removed from state court

4. Personal Attention from Day One

At Attorney911, you’re not just another case number. As client Chad Harris said: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”

You’ll work directly with Ralph Manginello or Lupe Peña, not a case manager assembly line. Our team includes dedicated professionals like Leonor, who clients consistently praise. As Stephanie Hernandez described: “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.”

5. No Fee Unless We Win

We understand that you’re facing financial hardship after an accident. That’s why we work on a contingency fee basis:

Free consultation
No upfront costs
We advance all case expenses
You pay nothing unless we recover compensation for you
Our fee is a percentage of your recovery

The 48-Hour Protocol: What to Do Immediately After Your Accident

Every day you wait, evidence disappears. Here’s exactly what to do in the critical first 48 hours:

Hour 1-6: Immediate Crisis Response

✅ Safety First: If you can move safely, get to a secure location away from traffic
✅ Call 911: Report the accident and request medical assistance if anyone is injured
✅ Medical Attention: Get checked immediately – adrenaline masks injuries
✅ Document Everything:

Take photos of ALL vehicle damage (every angle)
Photograph the accident scene, road conditions, traffic signals
Take photos of visible injuries
Screenshot any messages visible on your phone
✅ Exchange Information:
Other driver’s name, phone, address
Insurance company and policy number
Driver’s license number
License plate number
Vehicle make, model, color
✅ Witnesses: Get names and phone numbers of any witnesses
✅ Call Attorney911: 1-888-ATTY-911 for immediate legal guidance

Hour 6-24: Evidence Preservation

✅ Digital Preservation:

Preserve all texts, calls, photos, videos related to the accident
Do NOT delete anything from your phone
Screenshot everything relevant
Email copies to yourself for backup
✅ Physical Evidence:
Secure damaged clothing, glasses, personal items
Keep receipts for any expenses (towing, rental car, medications)
Do NOT repair your vehicle yet – preserve the damage
✅ Medical Records:
Request copies of all ER/hospital records
Keep all discharge paperwork
Follow up with your primary care physician within 24-48 hours
✅ Insurance Communications:
Note any calls from insurance companies
Do NOT give recorded statements yet
Do NOT sign anything
Do NOT accept any settlement offers
Say: “I need to speak with my attorney first”
✅ Social Media:
Make ALL profiles private immediately
Do NOT post about the accident
Do NOT post photos of injuries or activities
Tell friends/family not to tag you in posts

Hour 24-48: Strategic Decisions

✅ Legal Consultation: Call Attorney911 at 1-888-ATTY-911 for a free case evaluation
✅ Insurance Response: If insurance contacts you, refer them to your attorney
✅ Settlement Offers: Do NOT accept or sign anything without lawyer review
✅ Evidence Backup: Upload all screenshots and photos to cloud storage

Week One: Building Your Case

Within 24 hours of retaining Attorney911, we send preservation letters to:

The other driver and their insurance company
Any businesses near the accident scene (for surveillance footage)
Your employer (for wage verification)
Government entities (for traffic camera footage)
Vehicle manufacturers (for black box data)

We also:

Order the police report
Obtain 911 call recordings
Photograph the accident scene
Interview witnesses
Begin accident reconstruction analysis

Texas Car Accident Law: What You Need to Know

1. Statute of Limitations

You have 2 years from the date of your accident to file a lawsuit in Texas. This deadline is absolute – miss it and your case is barred forever.

Exceptions:

Discovery Rule: The clock may start later if injuries weren’t immediately discoverable
Minors: The 2-year clock starts when they turn 18
Government Claims: Special notice requirements (often 6 months)

2. Comparative Negligence (51% Bar Rule)

Texas uses modified comparative negligence. This means:

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

Example:

Your case is worth $100,000
You’re found 25% at fault
You recover $75,000 ($100,000 – 25%)

Insurance companies will try to maximize your fault percentage to reduce their payment. Lupe Peña knows these tactics from the inside – he used to make these arguments for insurance companies.

3. Texas Minimum Insurance Requirements

Texas requires drivers to carry minimum liability coverage:

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

Problem: 15.4% of Texas drivers are uninsured. That’s why Uninsured/Underinsured Motorist (UM/UIM) coverage is critical.

4. Uninsured/Underinsured Motorist Coverage

UM/UIM coverage protects you when:

The at-fault driver has no insurance
Their insurance limits are too low to cover your damages
You’re the victim of a hit-and-run accident

Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles you own.

Common Questions About Archer County Car Accidents

What should I do immediately after a car accident in Archer County?

Call 911 and report the accident
Seek medical attention, even if you feel fine
Document everything with photos and witness information
Do NOT give a recorded statement to any insurance company
Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance

Should I call the police even for a minor accident?

Yes. Always call the police. The police report is critical evidence, and in Texas, you’re required to report accidents involving injuries, deaths, or property damage over $1,000.

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.

What information should I collect at the scene?

Other driver: name, phone, address, driver’s license, insurance information
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

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” (this can be used as an admission of fault)
Do NOT give your opinion on what happened
Stick to facts only

How do I obtain a copy of the accident report?

In Archer County, you can obtain the police report from the responding law enforcement agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Should I give a recorded statement to insurance?

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

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.

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

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

Should I accept a quick settlement offer?

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

As client Tymesha Galloway shared: “Leonor is the best!!! She was able to assist me with my case within 6 months.” But she didn’t rush to settle – she waited until the case was ready.

What if the other driver is uninsured or underinsured?

Your own UM/UIM coverage can compensate you. Watch our video explaining UM/UIM claims at https://www.youtube.com/watch?v=kWcNFyb-Yq8.

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.

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 – defendants take victims as they find them.

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.

When should I hire a car accident lawyer?

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

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

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

What is comparative negligence and how does it affect me?

Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover damages (reduced by your percentage of fault). If you’re 51% or more at fault, you recover nothing.

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.

Will my case go to trial?

Most cases settle before trial, but Attorney911 prepares every case as if it’s going to trial. This gives us leverage in negotiations.

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

How long will my case take to settle?

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

What is the legal process step-by-step?

Investigation and evidence gathering
Medical treatment to MMI
Demand letter to insurance
Negotiation
Lawsuit if necessary
Discovery
Mediation
Trial if needed

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

What is my case worth?

It depends on many factors including:

Severity of injuries
Medical costs (past and future)
Lost wages and earning capacity
Pain and suffering
Permanent impairment
Insurance available

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

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 damages (except in medical malpractice cases).

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.

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.

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

How much do car accident lawyers cost?

Attorney911 works on a contingency fee basis: 33.33% before trial, 40% if the case goes to 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.

What does “no fee unless we win” mean?

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

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.”

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.”

What if I already hired another attorney?

You can switch attorneys at any time. Attorney911 has taken over many cases from other firms. As client Greg Garcia shared: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.”

What if the accident happened in a parking lot?

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

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.

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.

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. We’ve successfully represented clients of all immigration statuses. Lupe Peña is fluent in Spanish.

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

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

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

File a police report immediately. Your Uninsured Motorist (UM) coverage applies when the at-fault driver is unidentified. Surveillance footage is critical – most footage is deleted within 7-30 days. We send preservation letters immediately to secure this evidence.

What if I was hit by a delivery vehicle (Amazon, FedEx, UPS)?

Delivery vehicle accidents often involve complex liability issues. Multiple parties may be responsible, including the driver, the delivery company, and the parent company (Amazon, FedEx, etc.). These cases often have higher insurance limits, increasing your potential recovery.

Why Archer County Accident Victims Trust Attorney911

Real Results for Real People

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

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

“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

“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

Recognized Excellence

4.9 stars on Google with over 250 reviews
Trae Tha Truth endorsement: “You know if TraeAbn tells you it’s the right way to go best attorney out here you can’t go wrong”
One of few firms involved in BP explosion litigation
Federal court admission (Southern District of Texas)
Active $10 million hazing lawsuit against University of Houston

Community Commitment

Attorney911 isn’t just a law firm – we’re part of the Archer County community. We understand the unique challenges faced by North Texas accident victims, from the rural roads of Archer County to the busy highways connecting our communities. When you call 1-888-ATTY-911, you’re calling neighbors who are ready to fight for you.

Don’t Let Insurance Companies Take Advantage of You

The insurance company has already started building their case against you. They have teams of adjusters, investigators, and lawyers working to minimize your claim. You need someone on your side who knows their playbook – because we used to write it.

Call Attorney911 now at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

Next Steps: Your Legal Emergency Response

Call 1-888-ATTY-911 – Our legal emergency line is answered 24/7
Free Consultation – We’ll evaluate your case at no cost to you
Case Review – Ralph Manginello or Lupe Peña will personally review your case
Immediate Action – We’ll send preservation letters to protect evidence
Medical Care – We’ll help you get the treatment you need
Fight for You – We’ll handle insurance companies so you can focus on recovery

Frequently Asked Questions About Archer County Car Accidents

What should I do immediately after a car accident in Archer County?

If you’ve been in an accident in Archer County:

Call 911 and report the accident
Seek medical attention, even if you feel fine
Document everything with photos and witness information
Do NOT give a recorded statement to any insurance company
Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance

Should I call the police even for a minor accident?

Yes. Always call the police. The police report is critical evidence, and in Texas, you’re required to report accidents involving injuries, deaths, or property damage over $1,000.

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.

What information should I collect at the scene?

Other driver: name, phone, address, driver’s license, insurance information
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

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” (this can be used as an admission of fault)
Do NOT give your opinion on what happened
Stick to facts only

How do I obtain a copy of the accident report?

In Archer County, you can obtain the police report from the responding law enforcement agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Should I give a recorded statement to insurance?

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

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.

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

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

Should I accept a quick settlement offer?

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

What if the other driver is uninsured or underinsured?

Your own UM/UIM coverage can compensate you. Watch our video explaining UM/UIM claims at https://www.youtube.com/watch?v=kWcNFyb-Yq8.

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.

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 – defendants take victims as they find them.

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.

When should I hire a car accident lawyer?

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

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

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

What is comparative negligence and how does it affect me?

Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover damages (reduced by your percentage of fault). If you’re 51% or more at fault, you recover nothing.

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.

Will my case go to trial?

Most cases settle before trial, but Attorney911 prepares every case as if it’s going to trial. This gives us leverage in negotiations.

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

How long will my case take to settle?

What is the legal process step-by-step?

Investigation and evidence gathering
Medical treatment to MMI
Demand letter to insurance
Negotiation
Lawsuit if necessary
Discovery
Mediation
Trial if needed

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

What is my case worth?

It depends on many factors including:

Severity of injuries
Medical costs (past and future)
Lost wages and earning capacity
Pain and suffering
Permanent impairment
Insurance available

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

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 damages (except in medical malpractice cases).

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.

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.

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

How much do car accident lawyers cost?

Attorney911 works on a contingency fee basis: 33.33% before trial, 40% if the case goes to 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.

What does “no fee unless we win” mean?

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

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.”

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.”

What if I already hired another attorney?

What if the accident happened in a parking lot?

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.

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.

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. We’ve successfully represented clients of all immigration statuses. Lupe Peña is fluent in Spanish.

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

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

What if I was hit by a delivery vehicle (Amazon, FedEx, UPS)?

Don’t Wait – Evidence Disappears Daily

Every day you wait, critical evidence is being lost:

Surveillance footage from nearby businesses is deleted in 7-30 days
Witness memories fade
Vehicle damage is repaired
Medical records become harder to obtain
Insurance companies build their case against you

Call Attorney911 now at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

Your Legal Emergency Line is Open 24/7

When you’re injured in a car accident, you don’t have time to wait. That’s why Attorney911 is always available. Call 1-888-ATTY-911 now for immediate help.

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

We serve Archer County and all of North Texas, including:

Archer City
Wichita Falls
Olney
Scotland
Lakeside City
Windthorst
And surrounding communities

Don’t let the insurance company take advantage of you. Call Attorney911 now at 1-888-ATTY-911. Your recovery starts with one call.