Motor Vehicle Accident Lawyers in Belton, Texas | Attorney911

If You’ve Been Injured in a Car Accident in Belton, Texas, We’re Here to Fight for You

Every 57 seconds, another motor vehicle crash occurs somewhere in Texas. In Belton and across Bell County, these accidents disrupt lives in an instant—leaving victims with painful injuries, mounting medical bills, and overwhelming uncertainty about what comes next. If you or someone you love has been hurt in a car accident, truck collision, or any other motor vehicle crash in Belton, you don’t have to face this alone. Attorney911 is here to help.

At Attorney911, we understand what you’re going through. Our founding attorney, Ralph Manginello, has been fighting for accident victims across Texas for more than 25 years. With offices serving Central Texas and the entire state, we bring Houston’s aggressive litigation experience to Belton and Bell County. Whether you were injured on I-35, at a busy intersection in Belton, or on any of the roads in our community, we have the knowledge, resources, and determination to fight for the full compensation you deserve.

Why Choose Attorney911 for Your Belton Car Accident Case?

When you’re injured in a motor vehicle accident, the last thing you need is a law firm that treats you like just another case number. At Attorney911, we provide the personal attention and aggressive representation you need during this difficult time. Here’s what sets us apart:

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

This is our most powerful advantage. Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for national insurance companies. Lupe knows exactly how they value claims, what tactics they use to minimize payouts, and how to counter their strategies. He’s reviewed hundreds of surveillance videos, calculated claim values using software like Colossus, and even selected the same “independent” medical examiners that insurance companies use to downplay your injuries.

Now, Lupe uses that insider knowledge to fight for you—not against you. As he puts it:

“I’ve reviewed hundreds of surveillance videos and social media posts as a defense attorney. Here’s the truth: Insurance companies take innocent activity out of context. They freeze one frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after. They’re not documenting your life—they’re building ammunition against you.”

This unique perspective gives us an unfair advantage in negotiations and at trial. We anticipate the insurance company’s moves before they make them, and we know how to beat their algorithms and tactics.

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

Our results speak for themselves. We’ve recovered millions of dollars for accident victims across Texas, including:

A multi-million dollar settlement for a client who suffered a traumatic brain injury with vision loss when a log dropped on him at a logging company.
A multi-million dollar settlement for a client whose leg was injured in a car accident. Complications during treatment led to a partial amputation.
Millions recovered for families facing trucking-related wrongful death cases.
A significant cash settlement for a client who injured his back while lifting cargo on a ship, after we proved he should have been assisted in this duty.

These aren’t just numbers—they represent real people whose lives were changed by serious accidents. We fight for every client as if they were family, and we won’t back down from insurance companies or billion-dollar corporations.

3. Federal Court Experience for Complex Cases

Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas, which covers cases across the state. This federal court experience is critical for complex motor vehicle accident cases, especially those involving:

Commercial trucking accidents (FMCSA regulations are federal)
Interstate accidents (where parties are from different states)
Product liability claims (such as defective vehicle parts or autonomous vehicle failures)
Cases against large corporations (like trucking companies or rideshare providers)

Our firm is also one of the few in Texas to be involved in the BP Texas City explosion litigation, where we took on a multinational corporation in a case involving catastrophic injuries and wrongful death. This experience demonstrates our ability to handle high-stakes, complex litigation—exactly the kind of cases that insurance companies fear the most.

4. Personal Attention from Experienced Attorneys

At Attorney911, you won’t be passed off to a case manager or paralegal. You’ll work directly with Ralph Manginello or Lupe Peña, two experienced attorneys who are deeply involved in every case we handle. As our client Chad Harris put it:

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

We take pride in our client relationships. Our team is known for keeping clients informed every step of the way, answering questions promptly, and providing the support you need during recovery. As Stephanie Hernandez shared:

“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. We Don’t Get Paid Unless We Win Your Case

We understand that the financial stress of an accident can be overwhelming. That’s why we work on a contingency fee basis—you pay nothing upfront, and we only get paid if we recover compensation for you. There’s no risk to you, and no hidden fees. As our client Glenda Walker said:

“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.”

If you’ve been injured in a motor vehicle accident in Belton, don’t wait to get the help you need. Call 1-888-ATTY-911 for a free consultation. We’re available 24/7 to answer your questions and guide you through the legal process.

Common Types of Motor Vehicle Accidents in Belton, Texas

Motor vehicle accidents in Belton and Bell County can happen anywhere—on I-35, on local roads like Loop 121 or FM 439, or even in parking lots. The type of accident you’re involved in can significantly impact your case, from the injuries you suffer to the compensation you may be entitled to recover. Below, we break down the most common types of motor vehicle accidents we handle in Belton, along with the unique challenges and legal considerations for each.

1. Car Accidents in Belton, Texas

Car accidents are the most common type of motor vehicle crash in Belton and across Texas. In 2024 alone, there were 251,977 people injured in motor vehicle crashes statewide, with 1 person injured every 2 minutes and 5 seconds. In Bell County, car accidents can occur anywhere—from the busy intersections near the University of Mary Hardin-Baylor to the high-speed stretches of I-35.

Common Causes of Car Accidents in Belton:

Distracted driving (texting, phone use, eating, or adjusting the radio)
Speeding (especially on roads like I-35 or Loop 121)
Failure to yield (common at intersections like FM 439 and FM 93)
Running red lights or stop signs
Driving under the influence (DUI/DWI)
Following too closely (rear-end collisions are frequent on I-35)
Fatigued driving (especially among commercial drivers)
Poor weather conditions (rain, fog, or even rare ice in Central Texas)

Common Injuries in Car Accidents:

Car accidents can cause a wide range of injuries, from minor to life-threatening. Some of the most common injuries we see include:

Whiplash and soft tissue injuries (neck, back, and shoulder strains)
Herniated or bulging discs (often requiring surgery)
Broken bones and fractures (ribs, arms, legs, pelvis)
Traumatic brain injuries (TBI) (even mild TBIs can have long-term effects)
Spinal cord injuries (potentially leading to paralysis)
Internal organ damage (liver, spleen, or kidney injuries)
Lacerations and bruises (from broken glass or impact)
Post-traumatic stress disorder (PTSD) (anxiety, depression, or fear of driving)

Why You Need an Attorney After a Car Accident in Belton:

Insurance companies are quick to offer lowball settlements after car accidents, often within days of the crash. They know that victims are vulnerable, scared, and unsure of their rights. Their goal is to pay as little as possible—even if it means denying or minimizing your injuries.

At Attorney911, we know how to counter these tactics. In one recent case, our client’s leg was injured in a car accident, and complications during treatment led to a partial amputation. The insurance company initially offered just $50,000, claiming the amputation was a “medical complication” unrelated to the accident. We hired medical experts to prove that the amputation was a direct result of the accident, and the case settled in the millions.

If you’ve been injured in a car accident in Belton, don’t accept a quick settlement without talking to us first. Call 1-888-ATTY-911 for a free consultation. We’ll fight for the full compensation you deserve.

2. 18-Wheeler and Trucking Accidents in Belton

Belton sits along I-35, one of the busiest trucking corridors in the country. With heavy commercial traffic moving through Bell County every day, trucking accidents are a serious risk for local drivers. In 2024, there were 39,393 commercial motor vehicle crashes in Texas, resulting in 608 fatalities and 1,601 serious injuries. Texas accounts for 11% of all fatal truck crashes in the United States, making it the deadliest state for trucking accidents.

Why Trucking Accidents Are So Dangerous:

Size and weight disparity: A fully loaded 18-wheeler can weigh up to 80,000 pounds, while the average passenger car weighs just 4,000 pounds. This size difference means that trucking accidents often result in catastrophic injuries or wrongful death.
Multiple liable parties: In a trucking accident, there may be several parties at fault, including:
- The truck driver (for negligent operation, fatigue, or impairment)
- The trucking company (for negligent hiring, inadequate training, or pressure to violate hours-of-service rules)
- The cargo loader (for improperly secured or overloaded cargo)
- The vehicle manufacturer (for defective parts like brakes or tires)
- The maintenance company (for failing to properly inspect or repair the truck)
Federal regulations: The trucking industry is governed by strict federal regulations from the Federal Motor Carrier Safety Administration (FMCSA). Violations of these regulations can be used to prove negligence in your case.

Common Causes of Trucking Accidents in Belton:

Driver fatigue: FMCSA regulations limit truck drivers to 11 hours of driving after 10 consecutive hours off-duty, but many drivers violate these rules due to pressure from their employers.
Distracted driving: Truck drivers may be distracted by phones, GPS devices, or even eating while driving.
Improper maintenance: Poorly maintained brakes, tires, or other critical components can lead to accidents.
Overloaded or improperly secured cargo: Shifting cargo can cause a truck to jackknife or roll over.
Speeding or reckless driving: Trucks require more time and distance to stop, making speeding especially dangerous.
Driving under the influence (DUI): Commercial drivers are held to a stricter standard, with a BAC limit of 0.04% (half the limit for regular drivers).
Failure to yield or improper lane changes: Trucks have large blind spots, making lane changes hazardous.

Common Injuries in Trucking Accidents:

Due to the sheer size and force of commercial trucks, injuries in these accidents are often severe. Common injuries include:

Traumatic brain injuries (TBI)
Spinal cord injuries and paralysis
Amputations (crush injuries may require surgical amputation)
Internal organ damage (liver, spleen, or kidney injuries)
Broken bones and fractures (ribs, pelvis, limbs)
Severe burns (from fuel tank fires or hazardous cargo)
Wrongful death

Why You Need an Attorney After a Trucking Accident:

Trucking accidents are complex, and the stakes are high. Insurance companies and trucking companies have teams of lawyers working to minimize their liability, and they will use every tactic in the book to avoid paying you what you deserve. That’s where Attorney911 comes in.

Our firm has recovered millions of dollars for victims of trucking accidents, including wrongful death cases. We know how to investigate these cases thoroughly, from obtaining black box data and driver logs to identifying violations of FMCSA regulations. We also have experience taking on large corporations, including our involvement in the BP Texas City explosion litigation, where we fought against a multinational corporation.

If you’ve been injured in a trucking accident in Belton, time is of the essence. Electronic logging device (ELD) data and other critical evidence can be overwritten or deleted within 30-180 days. Call 1-888-ATTY-911 immediately to protect your rights.

3. Drunk Driving Accidents in Belton

Drunk driving is a leading cause of motor vehicle accidents in Texas. In 2024, there were 1,053 alcohol-impaired driving deaths in the state, accounting for 25.37% of all traffic fatalities. In Bell County and across Central Texas, drunk driving accidents often occur late at night or on weekends, but they can happen at any time.

Why Drunk Driving Accidents Are So Dangerous:

Impaired judgment: Alcohol slows reaction time and impairs decision-making, making it difficult for drunk drivers to respond to changing road conditions.
Increased risk of high-speed collisions: Drunk drivers are more likely to speed or engage in reckless behavior.
Higher likelihood of fatal injuries: Because drunk drivers often don’t brake or swerve to avoid collisions, the impact is more severe.

Dram Shop Liability in Texas:

Texas has a dram shop law (Texas Alcoholic Beverage Code § 2.02) that holds bars, restaurants, and other establishments liable if they serve alcohol to someone who is obviously intoxicated and that person later causes an accident. 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

If the drunk driver who caused your accident was over-served at a bar or restaurant in Belton, you may have a claim against the establishment in addition to the driver.

Common Injuries in Drunk Driving Accidents:

Because drunk driving accidents often involve high speeds and a lack of evasive action, injuries are frequently severe. Common injuries include:

Traumatic brain injuries (TBI)
Spinal cord injuries and paralysis
Broken bones and fractures
Internal bleeding and organ damage
Severe lacerations and burns
Wrongful death

Punitive Damages in Drunk Driving Cases:

In Texas, punitive damages (also called exemplary damages) may be available in drunk driving cases. These damages are meant to punish the defendant for gross negligence or malicious conduct and to deter similar behavior in the future. To qualify for punitive damages, you must prove that the drunk driver acted with conscious indifference to the safety of others.

Why You Need an Attorney After a Drunk Driving Accident:

Drunk driving cases are complex, especially when dram shop liability is involved. Insurance companies will try to minimize your claim, and bars or restaurants may deny responsibility. At Attorney911, we have the experience and resources to fight for you.

Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), which gives us unique insight into both the criminal and civil aspects of drunk driving cases. We’ve successfully handled numerous DWI-related cases, including three documented DWI dismissals where we proved the state’s case was weak:

Breathalyzer machine improperly maintained – The charges were dismissed.
No breath or blood test, missing EMS notes, missing nurse notes – The case was dismissed on the day of trial.
Video evidence showed the client was not drunk – The case was dismissed.

If you’ve been injured by a drunk driver in Belton, don’t wait to seek legal help. Call 1-888-ATTY-911 for a free consultation. We’ll investigate every angle of your case, including potential dram shop claims, to maximize your compensation.

4. Motorcycle Accidents in Belton

Motorcycle accidents are some of the most devastating crashes on Belton’s roads. In 2024, there were 585 motorcyclist fatalities in Texas, with 37% of those killed not wearing helmets. Motorcyclists are 28 times more likely to die in a crash than occupants of passenger cars, and they are far more vulnerable to serious injuries.

Common Causes of Motorcycle Accidents in Belton:

Failure to yield: Many motorcycle accidents occur when drivers fail to yield the right of way at intersections.
Driver inattention: Drivers often don’t see motorcycles, leading to collisions.
Unsafe lane changes: Drivers may change lanes without checking their blind spots for motorcycles.
Left-turn accidents: These are particularly dangerous for motorcyclists and often result in T-bone or head-on collisions.
Speeding or reckless driving: Both motorcyclists and other drivers may engage in speeding or aggressive behavior.
Road hazards: Potholes, debris, or uneven pavement can be especially dangerous for motorcycles.

Texas Helmet Law:

Texas law requires all riders under 21 years old to wear a helmet. Riders 21 and older may ride without a helmet if they have completed an approved motorcycle safety course or have at least $10,000 in medical insurance coverage. However, even if you’re legally allowed to ride without a helmet, doing so significantly increases your risk of severe injury or death.

Common Injuries in Motorcycle Accidents:

Because motorcyclists have little protection in a crash, injuries are often catastrophic. Common injuries include:

Traumatic brain injuries (TBI) (even with a helmet)
Spinal cord injuries and paralysis
Broken bones and fractures (legs, arms, pelvis, ribs)
Road rash and severe lacerations
Internal organ damage
Amputations
Wrongful death

Comparative Negligence in Motorcycle Accidents:

Texas follows a modified comparative negligence rule, which means that if you are 51% or more at fault for the accident, you cannot recover any compensation. Insurance companies often try to blame motorcyclists for accidents, even when the other driver is clearly at fault. They may argue that you were speeding, lane-splitting (which is illegal in Texas), or not paying attention.

At Attorney911, we know how to counter these arguments. Lupe Peña, our former insurance defense attorney, spent years making these same arguments for insurance companies. Now, he uses that knowledge to fight for motorcyclists and ensure they aren’t unfairly blamed for accidents.

Why You Need an Attorney After a Motorcycle Accident:

Motorcycle accident cases are complex, and insurance companies will do everything they can to minimize your claim. They may argue that your injuries aren’t as severe as you claim or that you were partially at fault. We know how to fight back.

In one case, our client was severely injured in a motorcycle accident when a driver turned left in front of him. The insurance company argued that our client was speeding and therefore partially at fault. We gathered evidence, including witness statements and accident reconstruction reports, to prove that the other driver was 100% at fault. The case settled for a significant seven-figure amount.

If you’ve been injured in a motorcycle accident in Belton, don’t let the insurance company blame you for what happened. Call 1-888-ATTY-911 for a free consultation. We’ll fight for the full compensation you deserve.

5. Pedestrian Accidents in Belton

Pedestrian accidents are a growing concern in Belton and across Texas. In 2024, there were 6,095 pedestrian crashes in the state, resulting in 768 fatalities. Pedestrians account for just 1% of all crashes but 19% of all roadway deaths, making them one of the most vulnerable groups on the road.

In Belton, pedestrian accidents often occur near busy intersections, crosswalks, or areas with heavy foot traffic, such as near the University of Mary Hardin-Baylor or downtown. Drivers may be distracted, speeding, or failing to yield the right of way, putting pedestrians at risk.

Why Pedestrian Accidents Are So Dangerous:

No protection: Pedestrians have no physical protection in a crash, making injuries severe or fatal.
High impact: Even at low speeds, a vehicle can cause catastrophic injuries to a pedestrian.
Delayed symptoms: Some injuries, like traumatic brain injuries (TBI), may not show symptoms immediately.

Pedestrian Right-of-Way in Texas:

Under Texas law, pedestrians always have the right of way at intersections, even if there is no marked crosswalk. This is a critical point that many drivers don’t understand. If you were struck by a vehicle while crossing the street in Belton, the driver may be legally responsible for your injuries.

Common Causes of Pedestrian Accidents in Belton:

Distracted driving (texting, phone use, or other distractions)
Failure to yield (drivers not stopping for pedestrians in crosswalks)
Speeding (drivers may not have time to stop)
Driving under the influence (DUI/DWI)
Poor visibility (at night or in bad weather)
Left-turn accidents (drivers may not see pedestrians in crosswalks)
Backing up (drivers may not see pedestrians behind them)

Common Injuries in Pedestrian Accidents:

Pedestrian accidents often result in severe injuries, including:

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

Why You Need an Attorney After a Pedestrian Accident:

Pedestrian accident cases can be complex, especially when liability is disputed. Insurance companies may argue that you were jaywalking, distracted, or not paying attention. They may also try to minimize your injuries or offer a lowball settlement.

At Attorney911, we know how to build a strong case for pedestrian accident victims. We gather evidence, including witness statements, surveillance footage, and accident reconstruction reports, to prove the driver’s negligence. We also work with medical experts to document the full extent of your injuries and their impact on your life.

In one case, our client was struck by a driver who failed to yield at a crosswalk in Houston. The insurance company argued that our client was partially at fault because he wasn’t in a marked crosswalk. We proved that the accident occurred at an intersection, where pedestrians always have the right of way under Texas law. The case settled for a multi-million dollar amount.

If you’ve been injured in a pedestrian accident in Belton, don’t let the insurance company blame you. Call 1-888-ATTY-911 for a free consultation. We’ll fight for the full compensation you deserve.

6. Rideshare Accidents (Uber/Lyft) in Belton

Rideshare services like Uber and Lyft have become a common way to get around Belton and the surrounding areas. While these services offer convenience, they also introduce new risks on the road. In 2024, there were 11 billion rideshare trips in the U.S. since 2010, with 17.4 million trips occurring daily. With so many rideshare vehicles on the road, accidents are inevitable.

Rideshare accidents are unique because they involve multiple insurance policies and complex liability issues. If you’ve been injured in a rideshare accident in Belton, whether as a passenger, driver, or third party, you need an attorney who understands the nuances of rideshare insurance coverage.

Rideshare Insurance Coverage Phases:

Rideshare companies provide different levels of insurance coverage depending on what the driver was doing at the time of the accident. Understanding these phases is critical to maximizing your compensation.

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

Who Can Be Injured in a Rideshare Accident?

Rideshare accidents can injure a variety of people, including:

Riders (21% of injuries)
Rideshare drivers (21% of injuries)
Third parties (58% of injuries, including other drivers, pedestrians, and cyclists)

Common Causes of Rideshare Accidents in Belton:

Distracted driving: Rideshare drivers may be distracted by the app, GPS, or passenger requests.
Fatigue: Drivers may work long hours to maximize earnings.
Speeding or reckless driving: Drivers may speed to complete more rides.
Failure to yield: Drivers may be unfamiliar with local roads and fail to yield the right of way.
Poor vehicle maintenance: Some rideshare drivers may not properly maintain their vehicles.

Common Injuries in Rideshare Accidents:

Injuries in rideshare accidents can range from minor to catastrophic, depending on the severity of the crash. Common injuries include:

Whiplash and soft tissue injuries
Broken bones and fractures
Traumatic brain injuries (TBI)
Spinal cord injuries and paralysis
Internal organ damage
Lacerations and bruises
Wrongful death

Why You Need an Attorney After a Rideshare Accident:

Rideshare accident cases are complex because they involve multiple insurance policies and potentially multiple liable parties. Insurance companies will try to minimize your claim by arguing that the rideshare driver was in the wrong phase of coverage or that you were partially at fault.

At Attorney911, we know how to navigate the complexities of rideshare accident cases. Lupe Peña, our former insurance defense attorney, understands how rideshare companies and their insurers operate. We’ll investigate the accident, determine the correct phase of coverage, and fight for the full compensation you deserve.

If you’ve been injured in a rideshare accident in Belton, don’t try to handle the insurance company alone. Call 1-888-ATTY-911 for a free consultation. We’ll help you understand your rights and fight for the compensation you deserve.

What to Do After a Motor Vehicle Accident in Belton: The 48-Hour Protocol

If you’ve been involved in a motor vehicle accident in Belton, the steps you take in the first 48 hours can make a significant difference in your case. Evidence disappears quickly, and insurance companies begin building their defense against you from the moment the accident happens. Here’s what you should do to protect your rights and strengthen your claim.

Hour 1-6: Immediate Actions at the Scene

Ensure Safety First
- If you can move safely, get to a secure location away from traffic. Turn on your hazard lights and set up flares or warning triangles if you have them.
Call 911
- Report the accident and request medical assistance if anyone is injured. Even if you feel fine, it’s important to get checked out—adrenaline can mask serious injuries.
Seek Medical Attention
- If you’re injured, go to the emergency room or urgent care immediately. Delayed symptoms are common with injuries like traumatic brain injuries (TBI) or internal bleeding.
- In Belton, you can seek treatment at:
  - Scott & White Medical Center – Temple (Level II Trauma Center)
  - Seton Medical Center Harker Heights (Emergency Care)
  - Baylor Scott & White Emergency Hospital – Killeen
Document Everything
- Take photos of all vehicle damage (from every angle), the accident scene, road conditions, traffic signals, and any visible injuries.
- Screenshot any messages visible on your phone (do not delete anything).
- Record the names and phone numbers of any witnesses.
Exchange Information
- Get the following information from the other driver(s):
  - Name, phone number, and address
  - Insurance company and policy number
  - Driver’s license number
  - License plate number
  - Vehicle make, model, and color
- Do not discuss fault or apologize—anything you say can be used against you later.
Call Attorney911
- Before speaking to any insurance company, call 1-888-ATTY-911 for immediate legal guidance. We’ll advise you on what to say and what not to say to protect your rights.

Hour 6-24: Evidence Preservation

Preserve Digital Evidence
- Do not delete any texts, calls, photos, or videos related to the accident.
- Screenshot everything relevant and email copies to yourself for backup.
Secure Physical Evidence
- Keep damaged clothing, glasses, or personal items in a safe place.
- Save receipts for any expenses related to the accident (towing, rental cars, medications).
Request Medical Records
- Ask for copies of all ER and hospital records, including discharge paperwork.
- Follow up with your primary care physician within 24-48 hours.
Be Cautious with Insurance Communications
- Note any calls from insurance companies.
- Do not give recorded statements without consulting an attorney.
- Do not sign anything without reviewing it with your lawyer.
- Do not accept any settlement offers—early offers are almost always lowball offers.
Protect Your Social Media
- Make all social media profiles private immediately.
- Do not post about the accident, your injuries, or your activities.
- Tell friends and family not to tag you in posts or share information about the accident.

Hour 24-48: Strategic Decisions

Consult with an Attorney
- Speak with an experienced motor vehicle accident attorney to understand your rights and options.
- Call 1-888-ATTY-911 for a free consultation. We’ll review your case and guide you through the next steps.
Respond to Insurance Companies
- If the insurance company contacts you, refer them to your attorney.
- Say: “My attorney will be in touch with you.”
- Provide only basic information (your name, the date of the accident, and that you were involved).
Do Not Settle Too Soon
- Do not accept or sign any settlement offers without consulting your attorney.
- Early settlement offers are almost always far below the true value of your case.
- You won’t know the full extent of your injuries until you’ve reached Maximum Medical Improvement (MMI).
Backup Evidence
- Upload all photos, screenshots, and documents to cloud storage.
- Email copies to yourself and a trusted family member.
- Create a written timeline of events while your memory is fresh.

Week One: Priorities for Your Recovery and Case

Follow Up with Medical Treatment
- Continue documenting all injuries and follow your doctor’s recommendations.
- See specialists if recommended (e.g., orthopedists, neurologists, or physical therapists).
- Get written work restrictions if you’re unable to return to work.
Begin the Investigation
- Your attorney will obtain the police report, interview witnesses, and gather evidence.
- We’ll send preservation letters to all parties involved to ensure critical evidence isn’t deleted.
Handle Insurance Communications
- Your attorney will handle all communications with the insurance company.
- You can focus on your recovery while we fight for your rights.

Why Evidence Disappears: The Critical Timeline

Every day that passes after your accident, evidence becomes harder to obtain. Insurance companies know this, and they count on victims waiting too long to take action. Here’s what you stand to lose if you delay:

Day 1-7:

Witness memories are at their peak but begin fading immediately.
Physical evidence like skid marks, debris, and road conditions are still visible.
Surveillance footage from nearby businesses is still available but will be deleted soon.

Day 7-30:

Surveillance footage is deleted:
- Gas stations: 7-14 days
- Retail stores: 30 days
- Traffic cameras: 30 days
- Ring doorbells: 30-60 days
Witnesses become harder to locate as they move, change jobs, or forget details.
Scene changes: Road repairs, new striping, or adjusted traffic signals can alter the accident scene.

Month 1-2:

Insurance companies solidify their defense position and build a case against you.
Vehicle repairs destroy evidence from the vehicles once they’re repaired.
Trucking electronic data is deleted:
- ELD (Electronic Logging Device) data: 30-180 days
- Black box data: Can be overwritten
- GPS/telematics data: Varies by company

Month 6-12:

Witnesses may have moved away, graduated, or forgotten critical details.
Medical evidence becomes harder to link to the accident.
Treatment gaps can be used against you by the insurance company.
Financial desperation mounts as bills pile up, making you vulnerable to lowball offers.

Month 12-24:

The statute of limitations approaches: In Texas, you have 2 years from the date of the accident to file a personal injury lawsuit. Miss this deadline, and your case is barred forever.
Evidence is severely degraded, making it harder to prove your case.
Case value diminishes as evidence becomes harder to obtain.

Don’t Wait—Call Attorney911 Now

Every day you wait, evidence disappears, and your case becomes harder to prove. Insurance companies are already building their defense against you while you recover. Call 1-888-ATTY-911 now to protect your rights and maximize your compensation.

Texas Motor Vehicle Accident Laws You Need to Know

Understanding Texas motor vehicle accident laws is critical to protecting your rights after a crash. Whether you were injured in Belton, Temple, or anywhere else in Texas, the same laws apply. Below, we break down the key legal concepts you need to know.

1. Statute of Limitations: The 2-Year Deadline

In Texas, the statute of limitations for personal injury claims is 2 years from the date of the accident. This means you have 2 years to file a lawsuit against the at-fault party. If you miss this deadline, your case will be barred forever, and you won’t be able to recover any compensation.

Exceptions to the 2-Year Rule:

Discovery Rule: If you didn’t discover your injury immediately, the statute of limitations may start from the date you discovered (or should have discovered) the injury.
Minors: If the victim is a minor, the statute of limitations is tolled (paused) until they turn 18. They then have 2 years from their 18th birthday to file a claim.
Government Claims: If your accident involved a government vehicle (e.g., a city bus or police car), you must file a notice of claim within 6 months of the accident.

Why This Matters:
Insurance companies know about the statute of limitations, and they will use it to their advantage. They may delay your claim, hoping you’ll miss the deadline and lose your right to compensation. Don’t let this happen—call 1-888-ATTY-911 as soon as possible to ensure your case is filed on time.

2. Comparative Negligence: The 51% Bar Rule

Texas follows a modified comparative negligence rule, which means that if you are partially at fault for the accident, your compensation will be reduced by your percentage of fault. However, if you are found to be 51% or more at fault, you cannot recover any compensation.

How It Works:

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

Why This Matters:
Insurance companies will always try to assign as much fault as possible to you to reduce their payout. Even a small percentage of fault can cost you thousands of dollars. For example:

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

At Attorney911, we know how to counter these arguments. Lupe Peña, our former insurance defense attorney, spent years making these same arguments for insurance companies. Now, he uses that knowledge to fight for you and ensure you aren’t unfairly blamed for the accident.

3. Texas Minimum Auto Insurance Requirements

Texas is an at-fault state, which means the at-fault driver’s insurance is responsible for paying for the damages they cause. Texas law requires all drivers to carry minimum auto insurance coverage of:

Coverage	Minimum Required
Bodily Injury – Per Person	$30,000
Bodily Injury – Per Accident	$60,000
Property Damage – Per Accident	$25,000

Why This Matters:
If the at-fault driver only carries the minimum required insurance, their policy may not be enough to cover your medical bills, lost wages, and other damages. In Texas, 15.4% of drivers are uninsured, which means there’s a 1 in 7 chance the at-fault driver in your accident won’t have insurance at all.

What You Can Do:

Uninsured/Underinsured Motorist (UM/UIM) Coverage: This coverage protects you if the at-fault driver doesn’t have enough insurance or no insurance at all. Texas allows inter-policy stacking, which means you can combine coverage from multiple policies to maximize your compensation.
Personal Injury Protection (PIP): PIP coverage pays for your medical expenses and lost wages regardless of who is at fault. It’s optional in Texas but can provide valuable protection.

At Attorney911, we’ll review your insurance policies to ensure you’re maximizing your coverage. If the at-fault driver is uninsured or underinsured, we’ll fight to recover compensation from your own UM/UIM policy.

4. Dram Shop Liability: Holding Bars and Restaurants Accountable

Elements of a Dram Shop Claim:
To prove a dram shop claim, you must show:

The establishment served alcohol to a patron who was obviously intoxicated at the time of service.
The over-service was the proximate cause of the accident and your injuries.

Signs of Obvious Intoxication:

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

Potentially Liable Parties:

Bars and nightclubs
Restaurants that serve alcohol
Liquor stores
Event venues (concerts, festivals, sporting events)
Hotels with bars or room service

Why This Matters:
If the drunk driver who caused your accident was over-served at a bar or restaurant in Belton, you may have a claim against the establishment in addition to the driver. This can significantly increase the compensation available to you.

At Attorney911, we have extensive experience handling dram shop cases. We’ll investigate the accident, gather evidence of over-service, and fight to hold all responsible parties accountable.

5. Wrongful Death vs. Survival Action

If you’ve lost a loved one in a motor vehicle accident in Belton, you may have two types of legal claims:

Wrongful Death Claim:
- Brought by: Surviving family members (spouse, children, parents).
- What it recovers: Damages the family suffered as a result of losing their loved one.
- Damages include:
  - Loss of companionship and love
  - Mental anguish
  - Lost financial support
  - Funeral and burial expenses
Survival Action:
- Brought by: The deceased’s estate.
- What it recovers: Damages the deceased would have been entitled to if they had survived.
- Damages include:
  - Pain and suffering before death
  - Medical expenses before death
  - Lost income before death

Why This Matters:
In Texas, you can pursue both a wrongful death claim and a survival action after a fatal accident. These are separate claims with different damages, and pursuing both can maximize your compensation.

At Attorney911, we handle wrongful death cases with compassion and determination. We’ll fight to hold the at-fault party accountable and secure the compensation your family deserves.

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

Insurance companies are not your friends. Their goal is to pay you as little as possible—even if it means denying or minimizing your injuries. They have teams of adjusters, lawyers, and doctors working to build a case against you from the moment the accident happens. Below, we expose the tactics they use and explain how Attorney911 counters them.

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

What They Do:
Within days or even hours of your accident, the insurance company will call you with a “quick settlement offer.” These offers are usually between $2,000 and $5,000, and they sound tempting when you’re facing mounting medical bills and lost wages.

Their Script:

“We want to help you get back on your feet.”
“This offer is only available for the next 48 hours.”
“Sign this now, and we’ll send you a check right away.”
“This is our final offer.” (It’s not.)

The Trap:
You don’t know the full extent of your injuries yet. Many injuries, like herniated discs or traumatic brain injuries (TBI), don’t show symptoms for days or even weeks. If you accept a quick settlement, you waive your right to pursue any further compensation, even if you later discover you need surgery or long-term treatment.

Real-Life Example:
Our client was injured in a car accident and initially felt fine. The insurance company offered $3,500 to settle the claim. Our client accepted, thinking it was a fair offer. Six weeks later, an MRI revealed a herniated disc requiring surgery. The surgery cost $100,000, but because our client had already settled, the insurance company paid nothing more. Our client was left with a $100,000 medical bill and no way to recover the money.

How Attorney911 Counters:
We never let our clients accept quick settlement offers. We wait until you’ve reached Maximum Medical Improvement (MMI)—the point where your injuries have stabilized and you know the full extent of your damages. Only then can we accurately value your case and negotiate a fair settlement.

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

What They Do:
Within 24-72 hours of your accident, an insurance adjuster will call you and ask for a recorded statement. They’ll act friendly and helpful, but their goal is to get you to say something that hurts your case.

Their Script:

“We just want to hear your side of the story.”
“This is routine—everyone does it.”
“It’ll only take a few minutes.”
“We need this to process your claim.”

The Trap:
Everything you say in a recorded statement is documented, transcribed, and used against you. Adjusters are trained to ask leading questions designed to get you to admit fault, minimize your injuries, or say something that can be taken out of context.

Common Questions They Ask (and How They Use Your Answers):

Question They Ask	What They Want You to Say	How They Use It Against You
“You’re feeling better now, right?”	“Yes, I’m feeling better.”	They’ll argue your injuries aren’t serious.
“It wasn’t that bad of an impact, was it?”	“No, it wasn’t too bad.”	They’ll argue your injuries couldn’t be severe.
“Were you distracted at all?”	“I might have been looking at my phone.”	They’ll blame you for the accident.
“How fast were you going?”	“I don’t know, maybe 45 mph.”	They’ll argue you were speeding.
“You were able to walk away from the scene, right?”	“Yes, I walked to the sidewalk.”	They’ll argue your injuries aren’t serious.

Real-Life Example:
Our client was rear-ended at a stoplight. The insurance adjuster called and asked for a recorded statement. Our client, still in shock, said, “I’m feeling okay, just a little sore.” The adjuster used this statement to argue that our client’s injuries weren’t serious and offered $5,000 to settle the claim. In reality, our client had a herniated disc that required surgery. We hired medical experts to prove the injury was a direct result of the accident, and the case settled for $350,000.

How Attorney911 Counters:
We never let our clients give recorded statements without us present. Once you hire Attorney911, we handle all communications with the insurance company. If a recorded statement becomes necessary, we’ll prepare you thoroughly and sit with you during the call to ensure you don’t say anything that could hurt your case.

Lupe’s Insider Knowledge:
Lupe Peña, our former insurance defense attorney, knows exactly how adjusters are trained to manipulate recorded statements. He’s taken hundreds of these statements himself and knows the tricks they use. Now, he uses that knowledge to protect you.

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

What They Call It:
“Independent Medical Examination” (IME)

What It Really Is:
A doctor hired by the insurance company to minimize your injuries.

What They Do:
After you’ve been treating for a few months, the insurance company will demand that you submit to an “independent” medical exam. They’ll tell you it’s routine, but the doctor they send you to is anything but independent. These doctors are paid thousands of dollars by insurance companies to find reasons to downplay your injuries.

How They Choose IME Doctors:
Insurance companies don’t choose IME doctors based on their medical expertise. They choose them based on:

Who gives the most insurance-favorable reports (i.e., who finds “no injury” or “pre-existing condition”)
Who is willing to testify against patients in court
Who is paid the most by insurance companies (some doctors make $2,000-$5,000 per exam)

What Happens at the IME:

You’ll wait 30-60 minutes in the waiting room.
The “exam” lasts 10-15 minutes (vs. the hours your treating doctor spends with you).
The doctor rarely reviews your complete medical records beforehand.
They’ll ask leading questions designed to get you to say you’re feeling better.
They’ll look for any reason to minimize your injuries.

Common IME Doctor Findings (and What They Really Mean):

What They Say	What It Really Means	How They Use It Against You
“Patient has pre-existing degenerative changes.”	Everyone over 40 has some arthritis.	They’ll argue your injuries aren’t from the accident.
“Injuries consistent with minor trauma.”	They’re minimizing your pain and suffering.	They’ll offer a low settlement.
“Patient can return to full-duty work.”	They’re ignoring your doctor’s restrictions.	They’ll deny lost wage claims.
“Treatment has been excessive.”	They’re attacking your treating doctors.	They’ll refuse to pay for future treatment.
“Subjective complaints out of proportion to objective findings.”	They’re calling you a liar.	They’ll deny your claim entirely.

Real-Life Example:
Our client was injured in a trucking accident and required spinal fusion surgery. The insurance company sent her to an IME doctor, who claimed her injuries were “pre-existing” and that she didn’t need surgery. The insurance company used this report to deny her claim. We hired our own medical expert, who reviewed the IME doctor’s report and found multiple errors and omissions. We presented this evidence to the insurance company, and the case settled for $1.2 million.

How Attorney911 Counters:

We prepare you extensively before the IME, so you know what to expect.
We send your complete medical records to the IME doctor beforehand, forcing them to review them.
We challenge biased IME reports with our own medical experts.
Lupe knows these doctors: He hired many of them when he worked for insurance companies. He knows their biases and how to counter their reports.

Tactic #4: The Delay, Deny, Defend Strategy (Months 6-12+)

What They Do:
The insurance company will drag out your case for as long as possible, hoping you’ll get desperate and accept a lowball settlement. They’ll:

Ignore your calls and emails.
“Still investigating” your claim for months.
Take weeks to respond to simple questions.
Claim they’re “waiting for medical records” (even though you’ve sent them multiple times).

Why Delay Works:

They have unlimited time and resources—you don’t.
They earn interest on your settlement money while delaying.
You have mounting bills, lost wages, and financial stress—they know this.
They’re betting you’ll give up or accept less just to end the nightmare.

Real-Life Example:
Our client was injured in a car accident and couldn’t work due to his injuries. The insurance company delayed his claim for 18 months, ignoring calls and emails. Our client was facing foreclosure on his home and was desperate for money. The insurance company offered $25,000 to settle his case. We filed a lawsuit, took depositions, and forced the insurance company to produce evidence. The case settled for $750,000—30 times their initial offer.

How Attorney911 Counters:

We file a lawsuit to force the insurance company to take your case seriously.
We set depositions, forcing them to produce witnesses and evidence.
We prepare for trial, showing the insurance company we’re not bluffing.
Lupe understands delay tactics—he used them for years as a defense attorney. He knows when to push and when to escalate.

Tactic #5: Surveillance and Social Media Monitoring

What They Do:
Insurance companies hire private investigators to follow you and monitor your social media accounts. They’re looking for any activity that contradicts your injury claims.

What They Monitor:

Surveillance videos: They’ll film you doing daily activities like walking, driving, or carrying groceries.
Social media: They’ll screenshot everything you post on Facebook, Instagram, TikTok, LinkedIn, Twitter, and even Snapchat.
Geotagging data: They’ll track where you’ve been based on photo metadata.
Friends and family: They’ll monitor posts from people who might mention you.

Examples of What They’ve Used Against Clients:

Example	What They Claimed	What Really Happened
Gym photo from 3 years ago	“Client is working out—clearly not injured.”	The photo was pre-accident. We proved the metadata.
Restaurant check-in	“Client is out partying and having fun.”	Our client was sitting quietly having dinner.
Friend’s comment: “Had fun yesterday!”	“Client is not in pain.”	Our client was resting at home.
Video of client walking dog slowly	“Client is not disabled.”	The doctor recommended short walks for recovery.
Family photo with client smiling	“Client is not in pain—she’s smiling!”	Everyone smiles for photos.

Lupe’s Insider Quote:

“I’ve reviewed hundreds of surveillance videos and social media posts as a defense attorney. Here’s the truth: Insurance companies take innocent activity out of context. They freeze one frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after. They’re not documenting your life—they’re building ammunition against you.”

7 Rules to Protect Yourself:

Make all social media profiles private immediately.
Do not post about the accident, your injuries, or your case.
Do not check in anywhere (restaurants, gyms, stores).
Tell friends and family not to tag you or post about you.
Do not accept friend requests from strangers (fake profiles).
Best practice: Stay off social media entirely during your case.
Assume everything is being monitored.

How Attorney911 Counters:
We warn our clients about surveillance from day one. If the insurance company tries to use surveillance footage against you, we’ll:

Challenge the context of the video (e.g., “This 10-second clip ignores the 10 minutes of pain before and after”).
Present medical evidence showing why you can or cannot do certain activities.
Expose their tactics to the jury if the case goes to trial.

Tactic #6: The Comparative Fault Blame Game

What They Do:
Insurance companies will always try to blame you for the accident, even if the other driver was clearly at fault. They’ll argue that you were:

Speeding
Distracted
Not paying attention
Could have avoided the accident
Partially at fault

Why They Do This:
Texas’s 51% bar rule means that if you are 51% or more at fault, you cannot recover any compensation. Even if you’re only 10% at fault, your compensation is reduced by that percentage.

Real-Life Example:
Our client was rear-ended at a stoplight. The insurance company argued that our client was 25% at fault because she “could have moved forward” to avoid the collision. This reduced her compensation by $50,000. We gathered witness statements and accident reconstruction reports to prove that our client was 0% at fault, and the case settled for the full amount.

How Attorney911 Counters:

We gather evidence to prove the other driver’s fault, including:
- Witness statements
- Police reports
- Accident reconstruction reports
- Surveillance footage
- Black box data (for trucking accidents)
We hire experts to testify about perception-reaction time and other factors.
Lupe knows their arguments—he made them for years as a defense attorney. Now, he defeats them.

Tactic #7: The Colossus Software System

What It Is:
Colossus is a computerized claim valuation system used by insurance companies like Allstate, State Farm, Liberty Mutual, and others. Adjusters input information about your injuries, treatment, and other factors, and the software outputs a recommended settlement range.

How It Works:

Data Entry: The adjuster inputs injury codes, treatment types, medical costs, lost wages, and jurisdiction.
Coding: Your injuries are coded using standardized medical terms.
Calculation: The software applies algorithms to determine the “value” of your claim.
Range Output: The system provides a recommended settlement range.
Authority: The adjuster typically cannot exceed this range without supervisor approval.

How Insurance Companies Manipulate Colossus:
Insurance companies train adjusters to undervalue claims by:

Using low injury codes (e.g., “soft tissue strain” instead of “disc herniation”).
Flagging excessive treatment (e.g., physical therapy beyond “normal” range).
Penalizing conservative treatment (e.g., chiropractic care is valued less than MD treatment).
Reducing value for pre-existing conditions.
Applying a jurisdiction factor (low-verdict counties get lower values).

Real-Life Example:
Our client suffered a herniated disc in a car accident. The insurance company coded it as a “soft tissue strain” in Colossus, which valued the claim at $15,000. We provided medical records proving the herniated disc and demanded a recoding. The claim was revalued at $150,000, and we settled for $185,000.

How Attorney911 Counters:

Lupe knows Colossus: He used this system for years as a defense attorney. He knows how to present medical records to maximize your claim’s value.
We challenge low injury codes and demand proper coding.
We document the severity of your injuries to justify higher multipliers.
We prepare for trial, showing the insurance company we’re not bluffing. This forces them to increase their reserve and settlement offer.

Tactic #8: The Medical Authorization Trap

What They Do:
The insurance company will ask you to sign a medical authorization form, claiming they need your medical records to process your claim. The form they send you is broad and unlimited, giving them access to your entire medical history—not just the records related to the accident.

What They’re Really Doing:
They’re searching for pre-existing conditions to use against you. They’ll:

Look through decades of medical records.
Find old injuries (e.g., back pain from 10 years ago).
Argue that your current injuries are not from the accident but are instead related to your pre-existing condition.
Ignore the fact that the accident aggravated your pre-existing condition.

The Truth:

You’re entitled to compensation even if you had a pre-existing condition.
If the accident made your condition worse, you can recover for the aggravation.
The “eggshell plaintiff” rule means the at-fault party takes you as they find you. If you were more vulnerable to injury because of a pre-existing condition, that’s not your fault.

Real-Life Example:
Our client had mild occasional back pain before her accident. After the accident, she required spinal fusion surgery. The insurance company argued that her surgery was due to her pre-existing condition, not the accident. We hired medical experts to prove that the accident aggravated her condition and that the surgery was necessary as a direct result. The case settled for $850,000.

How Attorney911 Counters:

We limit medical authorizations to only accident-related records.
We specify date ranges to exclude old records.
We review all authorizations before you sign anything.
We explain pre-existing conditions properly to the insurance company, showing how the accident made them worse.

Tactic #9: The Treatment Gap Attack

What They Do:
Insurance companies scrutinize your medical records for any gaps in treatment. If you miss an appointment or go a few weeks without seeing a doctor, they’ll use it against you.

Their Arguments:

“If you were really hurt, you wouldn’t have missed treatment.”
“The gap shows you weren’t really injured.”
“You must have felt better—that’s why you stopped going.”
“Your injuries can’t be that serious if you’re not treating consistently.”

Why Gaps Happen (Legitimate Reasons):

You couldn’t afford copays.
You couldn’t get time off work.
Transportation issues.
The doctor was booked out.
Insurance denied treatment.
COVID-19 lockdowns.
Family emergencies.

Real-Life Example:
Our client missed two physical therapy appointments because she couldn’t afford the $50 copays while she was unable to work. The insurance company used the gap to argue that her injuries weren’t serious and offered $10,000 to settle. We documented her financial hardship and proved that her injuries were still severe. The case settled for $250,000.

How Attorney911 Counters:

We document the reasons for gaps in writing.
We obtain supporting documentation (e.g., proof of financial hardship).
We connect you with doctors who accept liens (treat now, pay from settlement).
We explain gaps to the insurance company in a way they understand.

Tactic #10: The Policy Limits Bluff

What They Do:
The insurance company will claim that the at-fault driver only has limited coverage, often the Texas minimum of $30,000/$60,000/$25,000. They’ll say:

“This is all the coverage available.”
“Take it or leave it.”
“We can’t pay more than the policy limits.”

What They’re Hiding:
The at-fault driver may have additional coverage that the insurance company isn’t telling you about, such as:

Umbrella policies (additional $500,000-$5,000,000 in coverage)
Commercial policies (if the driver was working at the time)
Corporate policies (if the driver was employed by a company)
Multiple policies that stack (e.g., if the driver has coverage through multiple vehicles)

Real-Life Example:
The insurance company told our client that the at-fault driver only had $30,000 in coverage. We investigated and found:

$30,000 personal auto policy
$1,000,000 commercial policy (the driver was making a delivery)
$2,000,000 umbrella policy
$5,000,000 corporate policy (parent company)

Total available coverage: $8,030,000 (not $30,000).

Our client recovered $3.2 million instead of $30,000.

How Attorney911 Counters:

We demand full policy disclosure from all parties.
We subpoena insurance files if necessary.
We search for umbrella policies and corporate coverage.
We file lawsuits to force disclosure of all available insurance.
Lupe knows where to look—he evaluated multi-layer coverage for years as a defense attorney.

Why Attorney911 Is the Right Choice for Your Belton Motor Vehicle Accident Case

When you’re injured in a motor vehicle accident in Belton, you have many options for legal representation. But not all law firms are created equal. Here’s why Attorney911 stands out:

1. We Have a Former Insurance Defense Attorney on Our Team

This is our #1 advantage, and no other firm in Belton can match it. Lupe Peña spent years working for a national insurance defense firm, where he learned:

How insurance companies value claims (he calculated them himself).
How they train adjusters to minimize payouts.
Which “independent” medical examiners they favor (he hired them).
How they use Colossus software to undervalue claims.
How they delay and deny claims to pressure victims into accepting lowball offers.

Now, Lupe uses that insider knowledge to fight for you, not against you. As he puts it:

“I’ve reviewed hundreds of surveillance videos and social media posts as a defense attorney. Here’s the truth: Insurance companies take innocent activity out of context. They freeze one frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after. They’re not documenting your life—they’re building ammunition against you.”

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

Our results speak for themselves. We’ve recovered millions of dollars for accident victims across Texas, including:

A multi-million dollar settlement for a client who suffered a traumatic brain injury with vision loss when a log dropped on him at a logging company.
A multi-million dollar settlement for a client whose leg was injured in a car accident. Complications during treatment led to a partial amputation.
Millions recovered for families facing trucking-related wrongful death cases.
A significant cash settlement for a client who injured his back while lifting cargo on a ship, after we proved he should have been assisted in this duty.

These aren’t just numbers—they represent real people whose lives were changed by serious accidents. We fight for every client as if they were family, and we won’t back down from insurance companies or billion-dollar corporations.

3. We Have Federal Court Experience for Complex Cases

Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas, which covers cases across the state. This federal court experience is critical for complex motor vehicle accident cases, especially those involving:

Commercial trucking accidents (FMCSA regulations are federal).
Interstate accidents (where parties are from different states).
Product liability claims (such as defective vehicle parts or autonomous vehicle failures).
Cases against large corporations (like trucking companies or rideshare providers).

Our firm is also one of the few in Texas to be involved in the BP Texas City explosion litigation, where we took on a multinational corporation in a case involving catastrophic injuries and wrongful death. This experience demonstrates our ability to handle high-stakes, complex litigation—exactly the kind of cases that insurance companies fear the most.

4. We Provide Personal Attention from Experienced Attorneys

At Attorney911, you won’t be passed off to a case manager or paralegal. You’ll work directly with Ralph Manginello or Lupe Peña, two experienced attorneys who are deeply involved in every case we handle. As our client Chad Harris said:

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

“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. We Don’t Get Paid Unless We Win Your Case

As our client Glenda Walker said:

“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.”

If you’ve been injured in a motor vehicle accident in Belton, don’t wait to get the help you need. Call 1-888-ATTY-911 for a free consultation. We’re