Car Accident Lawyers in Baytown, Texas – Attorney911 Fights for You

If you’ve been injured in a car accident in Baytown, Texas, you’re not alone. With over 251,977 people injured in Texas motor vehicle crashes last year alone – that’s one person every 2 minutes and 5 seconds – car accidents are an all-too-common reality on Baytown’s roads. Whether you were rear-ended on I-10, sideswiped on Highway 146, or involved in a collision at the intersection of Baker Road and Garth Road, the aftermath can be overwhelming.

At Attorney911, we understand the physical, emotional, and financial toll a car accident can take. With Ralph Manginello’s 25+ years of experience fighting for accident victims across Texas, our Baytown car accident lawyers have the expertise to guide you through this difficult time. We know the local courts, the insurance adjusters who handle claims in Harris County, and most importantly, we know how to fight for the compensation you deserve.

The Reality of Car Accidents in Baytown

Baytown’s unique combination of industrial traffic, commuter routes, and local roads creates a dangerous mix. The Houston Ship Channel brings heavy truck traffic through the area, while daily commuters crowd I-10 and Highway 146. Local roads like Baker Road, Garth Road, and Market Street see their share of accidents too, often involving distracted or impaired drivers.

In Texas, someone is injured in a car accident every 2 minutes and 5 seconds. That means while you’re reading this, another accident has likely occurred somewhere in our state. These aren’t just statistics – they’re real people whose lives have been disrupted, just like yours.

Common Causes of Car Accidents in Baytown

Our Baytown car accident attorneys see these common causes of collisions:

Distracted driving (texting, phone use, eating, adjusting controls)
Speeding (especially on I-10 and Highway 146)
Failure to yield (common at intersections like Baker & Garth)
Running red lights (a frequent issue at major intersections)
Following too closely (particularly dangerous on highways)
DUI/DWI (alcohol and drug impairment)
Fatigued driving (common among industrial workers with long shifts)
Weather conditions (heavy rain, fog, occasional ice)

Common Injuries in Car Accidents

Car accidents can cause a wide range of injuries, from relatively minor to life-altering:

Whiplash and soft tissue injuries: Common in rear-end collisions, these injuries may not show symptoms immediately but can cause long-term pain.
Herniated discs: The force of a collision can damage the discs in your spine, leading to chronic pain and sometimes requiring surgery.
Broken bones and fractures: Arms, legs, ribs, and facial bones are particularly vulnerable.
Traumatic brain injuries (TBI): Even “minor” accidents can cause concussions or more serious brain injuries with long-term consequences.
Spinal cord injuries: These can result in partial or complete paralysis, changing your life forever.
Internal injuries: Organ damage and internal bleeding may not be immediately apparent but can be life-threatening.
PTSD and emotional trauma: The psychological impact of a car accident can be just as debilitating as physical injuries.

One of our recent cases involved a Baytown client whose leg was injured in a car accident. During treatment, staff infections developed, and doctors ultimately had to perform a partial amputation. This case settled in the millions, demonstrating our commitment to fighting for maximum compensation when injuries are severe.

Why Car Accident Cases Are More Complex Than You Think

Many people assume car accident cases are straightforward, but insurance companies make them complicated. Here’s what you’re really up against:

Texas Law Favors Insurance Companies

Texas is an at-fault state, meaning the driver who caused the accident is responsible for damages. However, Texas also uses a modified comparative fault system with a 51% bar rule. This means:

If you’re found to be 50% or less at fault, you can recover damages (reduced by your percentage of fault)
If you’re found to be 51% or more at fault, you recover nothing
Insurance companies will try to assign you as much fault as possible to reduce their payout

This is where having a skilled Baytown car accident attorney makes all the difference. Our firm includes Lupe Peña, a former insurance defense attorney who knows exactly how insurance companies try to shift blame onto victims. He spent years working for insurance companies, learning their tactics from the inside – now he uses that knowledge to fight for you.

Insurance Companies Are Not on Your Side

After an accident, the other driver’s insurance company will contact you quickly. They may seem friendly and helpful, but their goal is to pay you as little as possible. Here’s what they won’t tell you:

You’re not required to give a recorded statement to the other driver’s insurance company
Early settlement offers are almost always far below what your case is worth
They’re already building a case against you while you’re recovering
They’ll use anything you say against you to minimize your claim

As client Chad Harris shared: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.” This is the level of personal attention and care we provide to every client.

Why Choose Attorney911 for Your Baytown Car Accident Case

When you’re injured in a car accident, you need more than just a lawyer – you need a legal team with the experience, resources, and commitment to fight for you. Here’s what sets Attorney911 apart:

1. Insurance Defense Insider Knowledge

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

This is our most powerful advantage. Lupe spent years working for insurance companies, calculating claim values and building defenses against accident victims. Now he uses that insider knowledge to fight for you. He knows:

How insurance companies calculate claim values
Which IME (Independent Medical Exam) doctors they favor
How they use surveillance and social media against claimants
Their delay and denial tactics
When they’re bluffing about policy limits

Lupe’s experience is invaluable when negotiating with insurance companies. He knows their playbook because he wrote it.

2. Proven Results in Car Accident Cases

Our track record speaks for itself:

“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.”

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

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

We don’t just claim to get results – we prove it with documented case outcomes and satisfied clients.

3. Federal Court Experience for Complex Cases

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

Cases involving out-of-state defendants
Complex personal injury claims
Federal trucking regulations (FMCSA)
Product liability cases (like defective vehicle parts)

Our involvement in BP explosion litigation demonstrates our ability to take on billion-dollar corporations and win.

4. Personal Attention from Start to Finish

Unlike high-volume firms where you’re just a case number, at Attorney911 you work directly with Ralph Manginello and Lupe Peña. As client Jamin Marroquin described:

“Mr. Manginello guided me through the whole process with great expertise…tenacious, accessible, and determined throughout the 19 months.”

This personal attention means your case gets the focus it deserves, not just a quick settlement offer.

5. No Fee Unless We Win

We understand that after an accident, finances are tight. That’s why we work on a contingency fee basis:

Free initial consultation
No upfront costs
We advance all case expenses
You pay nothing unless we win your case
Our fee comes from the settlement, not your pocket

As client Ambur Hamilton said: “I never felt like ‘just another case’ they were working on.”

What to Do After a Car Accident in Baytown

If you’ve been in a car accident in Baytown, follow these steps to protect your rights:

At the Scene (If You’re Able)

Call 911 – Report the accident and request medical assistance if anyone is injured.
Seek medical attention – Even if you feel fine, get checked out. Adrenaline can mask serious injuries.
Document everything – Take photos of all vehicle damage, injuries, road conditions, and traffic signals.
Exchange information – Get the other driver’s name, phone number, address, insurance information, and driver’s license number.
Get witness information – If anyone saw the accident, get their names and contact information.
Don’t admit fault – Stick to the facts when talking to police and other drivers.

In the Days Following the Accident

Call Attorney911 immediately – 1-888-ATTY-911. The sooner we get involved, the better we can protect your rights.
Follow up with medical care – Continue all recommended treatment. Gaps in treatment can hurt your case.
Don’t give recorded statements – Insurance companies will call quickly. Refer them to your attorney.
Don’t post on social media – Insurance companies monitor social media for anything that can be used against you.
Keep all receipts – For medical expenses, property damage, and any other accident-related costs.

Why Time Is Critical

Evidence disappears quickly after an accident:

Surveillance footage from nearby businesses is typically deleted within 7-30 days
Witness memories fade quickly
Vehicle damage is repaired, destroying evidence
Insurance companies build their case against you while you’re recovering

Every day you wait, evidence becomes harder to obtain. Call Attorney911 immediately at 1-888-ATTY-911.

How We Build Your Car Accident Case

At Attorney911, we take a comprehensive approach to building your case:

1. Immediate Investigation

Within 24 hours of being retained, we:

Send preservation letters to all parties to prevent evidence destruction
Obtain police reports and 911 call recordings
Canvass the accident scene for witnesses and surveillance cameras
Photograph the scene before conditions change
Interview witnesses while memories are fresh

2. Medical Documentation

We work closely with your medical providers to:

Document all injuries and treatment
Obtain detailed medical records
Coordinate with specialists when needed
Project future medical needs and costs

3. Liability Determination

We gather evidence to prove the other driver’s fault:

Accident reconstruction analysis
Vehicle damage assessment
Traffic camera footage
Witness statements
Expert testimony

4. Damage Calculation

We work with medical and economic experts to calculate:

Past and future medical expenses
Lost wages and earning capacity
Pain and suffering
Physical impairment
Disfigurement
Loss of enjoyment of life

5. Insurance Negotiations

With Lupe’s insider knowledge, we:

Counter insurance company tactics
Challenge lowball offers
Negotiate from a position of strength
Prepare for trial if necessary

6. Trial Preparation

While most cases settle, we prepare every case as if it’s going to trial:

Jury selection strategies
Expert witness preparation
Opening and closing statements
Trial exhibits and visuals

Common Insurance Tactics and How We Counter Them

Insurance companies use sophisticated tactics to minimize payouts. Here’s how we counter them:

Tactic 1: Quick Settlement Offers

What they do: Offer a quick, low settlement within days of the accident when you’re most vulnerable.

Why it works: You’re desperate for money to pay bills and may accept far less than your case is worth.

How we counter: We never accept early settlement offers. We wait until you’ve reached maximum medical improvement to know the full extent of your injuries.

Tactic 2: Recorded Statements

What they do: Call you while you’re recovering and ask for a “friendly chat” to get your side of the story.

Why it works: They use your words against you to minimize your claim.

How we counter: We handle all communication with insurance companies. You never give statements without our guidance.

Tactic 3: Independent Medical Exams (IMEs)

What they do: Send you to a doctor they hire who will almost always find you’re less injured than you claim.

Why it works: These doctors are paid by insurance companies and consistently produce reports that minimize injuries.

How we counter: Lupe knows which IME doctors insurance companies favor – he hired them when he worked for the defense. We prepare you thoroughly for these exams and challenge biased reports.

Tactic 4: Surveillance

What they do: Hire private investigators to follow you and film your daily activities.

Why it works: They’re looking for any activity that contradicts your injury claims.

How we counter: We warn you about surveillance and help you avoid common traps. As Lupe says:

“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 5: Delay and Deny

What they do: Drag out your claim for months or years, hoping you’ll give up or accept a low offer.

Why it works: Financial pressure makes you desperate for any settlement.

How we counter: We file lawsuits to force deadlines and show we’re serious about going to trial.

Tactic 6: Comparative Fault Arguments

What they do: Try to blame you for the accident to reduce their payout.

Why it works: Texas’ 51% rule means even small fault percentages can cost you thousands.

How we counter: Lupe knows their fault arguments because he made them for years – now he defeats them.

What Your Baytown Car Accident Case Might Be Worth

The value of your case depends on several factors:

Economic Damages (No Cap in Texas)

Medical expenses (past and future)
Lost wages (past and future)
Property damage (vehicle repair/replacement)
Other out-of-pocket expenses (transportation, home modifications, etc.)

Non-Economic Damages (No Cap in Texas)

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

Punitive Damages (Capped)

Available in cases of gross negligence or malice
Capped at greater of $200,000 or 2x economic + 1x non-economic (max $750K for non-economic portion)

Settlement Ranges by Injury Type

Injury Type	Medical Costs	Lost Wages	Pain & Suffering	Total Range
Soft Tissue (Whiplash)	$6,000-$16,000	$2,000-$10,000	$8,000-$35,000	$15,000-$60,000
Broken Bone (Simple)	$10,000-$20,000	$5,000-$15,000	$20,000-$60,000	$35,000-$95,000
Broken Bone (Surgery)	$47,000-$98,000	$10,000-$30,000	$75,000-$200,000	$132,000-$328,000
Herniated Disc (Conservative)	$22,000-$46,000	$8,000-$25,000	$40,000-$100,000	$70,000-$171,000
Herniated Disc (Surgery)	$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	$500,000-$750,000 (first year)	$50,000-$200,000	$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

Note: These are general ranges. Every case is unique, and your actual settlement will depend on the specific facts of your case.

How Insurance Companies Calculate Your Claim’s Value

Insurance companies use a formula called the “multiplier method”:

Total Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage

The multiplier ranges from 1.5 to 5, depending on:

Severity of injuries
Permanency of injuries
Impact on daily life
Clear liability
Defendant’s conduct

Example:

Medical expenses: $100,000
Multiplier: 3 (moderate injury with surgery)
Pain & suffering: $300,000
Lost wages: $50,000
Property damage: $10,000
Total: $460,000

Insurance companies typically use low multipliers. We fight for higher multipliers by:

Documenting the severity of your injuries
Proving the impact on your daily life
Demonstrating clear liability
Showing we’re prepared to go to trial

Frequently Asked Questions About Baytown Car Accident Cases

Immediate After an Accident

1. What should I do immediately after a car accident in Baytown?

If you’ve been in an accident in Baytown:

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

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 Baytown, you can obtain the police report from the Baytown Police Department or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

7. Should I give a recorded statement to insurance?

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

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

Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give a 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 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/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 the date of the accident for personal injury, 2 years from the date of death for wrongful death. Miss it = case barred forever.

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

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

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 a recorded statement without an attorney
Accepting a quick settlement
Delaying medical treatment
Gaps in treatment
Posting on social media
Signing releases or authorizations
Not documenting everything

Watch our video: “Client Mistakes That Can Ruin Your Case” at https://www.youtube.com/watch?v=r3IYsoxOSxY

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

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

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

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 the severity of your injuries. Delayed symptoms are common. We can still help.

Why Baytown Residents Choose Attorney911

Baytown has unique challenges when it comes to car accidents:

Heavy industrial traffic from the Houston Ship Channel
High-speed commuter traffic on I-10 and Highway 146
Local roads with frequent accidents (Baker Road, Garth Road, Market Street)
A mix of local drivers, commuters, and industrial workers

At Attorney911, we understand Baytown’s specific needs:

We know the local courts and judges
We understand the unique traffic patterns in the area
We’re familiar with the major employers and industries
We know which intersections are most dangerous
We understand the specific challenges faced by industrial workers
We’re part of the Baytown community

As client Kiimarii Yup shared:

“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.”

Our Baytown Car Accident Lawyers Are Ready to Help

If you’ve been injured in a car accident in Baytown, don’t face this alone. The insurance companies have teams of lawyers working against you. You need a legal team with the experience, resources, and commitment to fight for you.

At Attorney911, we offer:

Free consultation – We’ll review your case at no cost
No fee unless we win – You pay nothing unless we recover compensation for you
Personal attention – You’ll work directly with Ralph Manginello and Lupe Peña
Insurance insider knowledge – Lupe knows their tactics from the inside
Proven results – We’ve recovered millions for car accident victims
Local expertise – We know Baytown’s courts, judges, and accident patterns

Don’t wait – evidence disappears daily. Call Attorney911 now at 1-888-ATTY-911 for a free consultation. We’re here to help you get the compensation you deserve.

Additional Resources

YouTube Videos:

What Should I Do First After an Accident? – https://www.youtube.com/watch?v=OCox4Lq7zBM
Uninsured & Underinsured Motorists – https://www.youtube.com/watch?v=kWcNFyb-Yq8
How Much Is My Case Worth? – https://www.youtube.com/watch?v=onBzdkIWadY
What Is the Process for a Personal Injury Claim? – https://www.youtube.com/watch?v=XwzYymneDVs
Will Your Case Go to Trial? – https://www.youtube.com/watch?v=2Ed5AnmCMcc

Podcast:
Attorney 911 The Podcast – Available on Apple Podcasts

https://podcasts.apple.com/bj/podcast/attorney-911/id1773141988

Practice Area Pages:

Car Accidents: https://attorney911.com/law-practice-areas/car-accident-lawyer/
Trucking Accidents: https://attorney911.com/law-practice-areas/18-wheeler-accidents/
Drunk Driving Accidents: https://attorney911.com/law-practice-areas/dui-dwi-lawyers/
Wrongful Death: https://attorney911.com/law-practice-areas/wrongful-death-claim-lawyer/

Contact Attorney911 Today

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

Houston Office (Primary):
3200 Travis St, Suite 220
Houston, TX 77006
Serving Harris, Montgomery, Fort Bend, Brazoria, Galveston Counties

Austin Office:
Serving Travis, Williamson, Hays, Bastrop Counties

Beaumont Office:
Serving Jefferson, Orange, Hardin Counties

At Attorney911, we’re not just Baytown car accident lawyers – we’re your neighbors, your advocates, and your legal emergency response team. When you call 1-888-ATTY-911, you’re calling a firm that will fight for every dollar you deserve. Don’t let the insurance companies take advantage of you. Call us today for a free consultation.