blanco-county-featured-image.png

Blanco County Car & Truck Accident Attorneys | 18-Wheelers, Commercial Trucks, Uber/Lyft, Hit-and-Run | Former Insurance Defense — We Know Their Playbook | $2.5M Truck Crash Recovery | Attorney911 — The Firm Insurers Fear | Federal Court Experience | Se Habla Español | 1-888-ATTY-911

Motor Vehicle Accident Lawyers in Blanco County, Texas

If you’ve been injured in a car accident in Blanco County, Texas, you’re not alone. With one motor vehicle crash occurring every 57 seconds in Texas, accidents are an unfortunate reality on our roads. At Attorney911, we understand the physical, emotional, and financial toll a serious accident can take on you and your family. Our experienced team, led by Ralph Manginello with over 25 years of legal expertise, is here to fight for the compensation you deserve.

Blanco County’s scenic Hill Country roads can become dangerous in an instant. Whether you were involved in a collision on US Highway 281, FM 1623, or any of the county’s rural routes, our firm has the local knowledge and legal skill to handle your case. We know the Blanco County courts, the local judges, and the insurance adjusters who handle claims in this area. When you call 1-888-ATTY-911, you’re calling your neighbors—attorneys who truly understand the challenges faced by accident victims in our community.

The Reality of Car Accidents in Blanco County

Texas saw 251,977 people injured in motor vehicle crashes in 2024 alone, with one person injured every 2 minutes and 5 seconds. In Blanco County and the surrounding Hill Country region, accidents can be particularly devastating due to the mix of rural roads, high-speed highways, and increasing traffic from tourism and development.

Common accident locations in Blanco County include:

  • US Highway 281 (through Johnson City)
  • FM 1623 (connecting Johnson City to Fredericksburg)
  • FM 3232 (near Blanco State Park)
  • The intersection of US 281 and US 290
  • Rural county roads where livestock crossings occur

These accidents often result from:

  • Distracted driving (a factor in 380 Texas deaths in 2024)
  • Speeding on rural roads
  • Failure to yield at intersections
  • Drunk or impaired driving
  • Poor road conditions or inadequate signage
  • Vehicle defects or maintenance failures

Common Injuries in Motor Vehicle Accidents

Car accidents can cause a wide range of injuries, from minor to life-altering. Some of the most common injuries we see in Blanco County accident cases include:

Whiplash and Soft Tissue Injuries

These are among the most common injuries, often resulting from rear-end collisions. While they may seem minor, whiplash can cause chronic pain and require extensive physical therapy.

Herniated or Bulging Discs

The force of a collision can cause discs in your spine to herniate or bulge, leading to nerve compression, chronic pain, and sometimes requiring surgery.

Broken Bones and Fractures

Common fractures include broken ribs, arms, legs, wrists, and ankles. These injuries often require casting, surgery, and months of rehabilitation.

Traumatic Brain Injuries (TBI)

Even “mild” TBIs (concussions) can have serious long-term effects. More severe TBIs can cause permanent cognitive impairment, personality changes, and disability.

Spinal Cord Injuries

These catastrophic injuries can result in partial or complete paralysis, requiring lifelong medical care and assistance.

Internal Injuries

Damage to internal organs may not be immediately apparent but can be life-threatening if not treated promptly.

Psychological Injuries

Many accident victims develop PTSD, anxiety, depression, and other mental health issues following a serious crash.

“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.” – Attorney911 Case Result

Why Blanco County Accident Victims Need Attorney911

When you’re injured in an accident, you need more than just a lawyer—you need a team that understands both the legal system and the insurance industry’s tactics. Here’s why Blanco County residents trust Attorney911:

1. Insurance Defense Insider Knowledge

Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for a national defense firm. He knows exactly how insurance companies value claims, calculate settlements, and build cases against accident victims. Now, he uses that insider knowledge to fight for you.

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

This unique advantage means we can anticipate and counter the tactics insurance companies use to minimize or deny your claim.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for accident victims across Texas, including:

  • Multi-million dollar settlement for a client who suffered a brain injury with vision loss
  • Significant settlement for a maritime injury case where our client injured his back while lifting cargo
  • Millions recovered in trucking-related wrongful death cases

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

Our track record proves we don’t settle for lowball offers. We fight for what your case is truly worth.

3. Federal Court Experience

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

  • Trucking accidents involving interstate commerce
  • Cases against large corporations
  • Product liability claims (like defective vehicle parts)
  • Cases with multiple defendants

“Our firm is one of the few firms in Texas to be involved in BP explosion litigation.”

This experience means we’re prepared to take on even the most complex cases that other firms might avoid.

4. Personal Attention You Can Trust

At Attorney911, you’re not just another case number. As client Chad Harris shared:

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

Our clients consistently praise our communication and personal service:

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

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

5. Contingency Fee – No Risk to You

We work on a contingency fee basis, which means:

  • Free consultation to discuss your case
  • No upfront costs
  • We advance all case expenses
  • You pay nothing unless we win
  • If we don’t recover compensation for you, you owe us nothing

The Insurance Company Playbook – And How We Counter It

Insurance companies have one goal: to pay you as little as possible. They use sophisticated tactics to minimize your claim, and they start working against you from the moment the accident happens. Here’s what they’re doing—and how Attorney911 counters their strategies:

Tactic #1: The Quick Contact and Recorded Statement

What They Do:
Within hours or days of your accident, an insurance adjuster will call you—often while you’re still in the hospital or on pain medication. They’ll sound friendly and helpful, saying things like:

  • “We just want to help you”
  • “We need your side of the story”
  • “This is routine”
  • “It’ll only take a few minutes”

Their Real Goal:
To get you to say something that hurts your case. They’ll ask leading questions designed to minimize your injuries or shift blame onto you.

How We Counter:
We advise all our clients: Do NOT give a recorded statement without an attorney present. Once you hire Attorney911, we handle all communication with the insurance company. We know their tactics because Lupe used them for years—now he uses that knowledge to protect you.

Tactic #2: The Quick Settlement Offer

What They Do:
Within days or weeks, they’ll offer you a quick settlement—often $2,000-$5,000, sometimes up to $15,000 if they’re worried. They’ll create artificial urgency:

  • “This offer expires in 48 hours”
  • “This is our final offer”
  • “Take it or leave it”

Their Real Goal:
To get you to settle before you know the full extent of your injuries. Once you sign a release, you can’t get more money—even if you later need surgery.

How We Counter:
We never settle until you’ve reached Maximum Medical Improvement (MMI)—the point where your condition has stabilized. We know their offers are always lowball because Lupe used to calculate these offers himself.

Tactic #3: The “Independent” Medical Exam (IME)

What They Call It:
“Independent Medical Examination”

What It Really Is:
An exam by a doctor hired and paid by the insurance company to minimize your injuries.

What Happens:

  • You’re sent to a doctor you’ve never seen before
  • The exam lasts 10-15 minutes (vs. hours with your treating doctor)
  • The doctor looks for any reason to say your injuries aren’t serious
  • They’ll often claim your injuries are “pre-existing” or “not related to the accident”

Common IME Findings:

  • “Patient has pre-existing degenerative changes” (everyone over 40 has some arthritis)
  • “Injuries consistent with minor trauma”
  • “Patient can return to full duty work”
  • “Treatment has been excessive”
  • “Subjective complaints out of proportion to objective findings” (calling you a liar)

How We Counter:
Lupe knows these doctors personally—he hired many of them during his time as an insurance defense attorney. We:

  • Prepare you extensively before the exam
  • Send your complete medical records to the IME doctor in advance
  • Challenge biased IME reports with our own medical experts
  • Know which doctors to avoid and which arguments they typically make

Tactic #4: Surveillance and Social Media Monitoring

What They Do:
Insurance companies hire private investigators to:

  • Follow you and video your daily activities
  • Monitor all your social media accounts (Facebook, Instagram, TikTok, etc.)
  • Look for any activity that contradicts your injury claims

What They’re Looking For:

  • Video of you bending, lifting, or moving “normally”
  • Photos of you smiling, socializing, or being active
  • Check-ins at locations that suggest you’re not injured
  • Comments from friends that could be taken out of context

Real Examples We’ve Defended:

Example What Insurance Claimed Reality
Old gym photo from 3 years ago Presented as recent, suggesting no injury We proved the photo was pre-accident
Restaurant check-in “Partying and having fun” Client was quietly having dinner with family
Friend’s comment: “Had fun yesterday!” Evidence of non-injury Client was resting at home; friend was mistaken
Video of client walking dog “Not disabled” Doctor recommended short walks for recovery
Family photo where client is smiling “Not in pain—she’s smiling!” Everyone smiles for photos, even when in pain

Lupe’s Insider Perspective:

“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.”

How We Counter:
We advise all our clients:

  1. Make all social media profiles private immediately
  2. Don’t post about the accident, injuries, or case
  3. Don’t check in anywhere
  4. Tell friends and family not to tag you or post about you
  5. Assume everything is being monitored

Tactic #5: Delay and Financial Pressure

What They Do:
They drag out your case for months or years, hoping you’ll get desperate and accept a low offer. Tactics include:

  • “We’re still investigating your claim”
  • “We’re waiting for medical records” (even when you’ve sent them)
  • Ignoring your calls and emails
  • Taking weeks to respond to simple questions

Why It Works:

  • Insurance companies have unlimited time and resources
  • They earn interest on your settlement money while delaying
  • You have mounting bills and no income
  • Financial desperation makes you vulnerable

How We Counter:
We don’t let them delay. We:

  • File lawsuits to force deadlines
  • Set depositions to make them produce witnesses
  • Prepare for trial to show we’re serious
  • Lupe understands their delay tactics because he used them—now he knows when and how to push back

Tactic #6: Comparative Fault Arguments

What They Do:
Texas uses a modified comparative negligence system with a 51% bar rule. 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 get nothing

Insurance companies will try to assign you maximum fault to reduce their payment. Even small percentages cost you thousands:

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

Common Arguments They Make:

  • “You were speeding” (without evidence)
  • “You weren’t paying attention”
  • “You could have avoided this”
  • “You were distracted”
  • “You contributed to this accident”

How We Counter:
Lupe knows these arguments because he made them for years as a defense attorney. Now, he knows how to defeat them. We:

  • Conduct thorough accident reconstruction
  • Interview witnesses who support your version
  • Analyze police reports for citations against the other driver
  • Use expert testimony on perception-reaction time

Types of Motor Vehicle Accidents We Handle in Blanco County

Car Accidents

Car accidents are the most common type of motor vehicle collision in Blanco County. Whether you were rear-ended on US 281, involved in a T-bone collision at a Johnson City intersection, or sideswiped on a rural county road, we can help.

Common Causes:

  • Distracted driving (texting, phone use)
  • Speeding on rural roads
  • Failure to yield right of way
  • Running red lights or stop signs
  • Drunk or impaired driving
  • Poor weather conditions
  • Vehicle defects

Common Injuries:

  • Whiplash and soft tissue injuries
  • Herniated or bulging discs
  • Broken bones and fractures
  • Traumatic brain injuries
  • Spinal cord injuries
  • Internal organ damage
  • Psychological trauma (PTSD, anxiety, depression)

“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

18-Wheeler and Trucking Accidents

Trucking accidents are particularly devastating due to the sheer size and weight of commercial vehicles. In Texas, we see 39,393 commercial motor vehicle crashes annually, resulting in 608 fatalities and 1,601 serious injuries.

Why Trucking Accidents Are Different:

  • Size Disparity: An 18-wheeler can weigh up to 80,000 pounds—20 times more than a passenger car
  • Multiple Liable Parties: Driver, trucking company, cargo loader, vehicle manufacturer, maintenance company
  • Federal Regulations: The Federal Motor Carrier Safety Administration (FMCSA) sets strict rules for truck drivers and companies
  • Higher Insurance Limits: Trucking companies carry policies from $750,000 to $5,000,000
  • Complex Evidence: Electronic logging devices (ELDs), black boxes, driver logs

FMCSA Regulations That Are Often Violated:

Regulation Requirement Common Violation
Hours of Service (HOS) Max 11 hours driving after 10 consecutive hours off-duty Drivers exceeding daily limits due to pressure from employers
14-Hour Window Cannot drive beyond 14th consecutive hour on duty Drivers working long shifts without proper breaks
30-Minute Break Required after 8 cumulative hours driving Skipping breaks to meet delivery deadlines
60/70-Hour Limit Cannot drive after 60/70 hours on-duty in 7/8 days Companies pressuring drivers to exceed weekly limits
Electronic Logging Devices (ELD) Mandatory since 2017 Tampering with or disabling ELDs to hide violations

Why This Matters for Your Case:
Violations of FMCSA regulations can establish negligence per se, making it easier to prove the trucking company’s liability.

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

Drunk Driving Accidents

Drunk driving is a serious problem in Texas, with 1,053 alcohol-impaired driving deaths in 2024—25.37% of all traffic fatalities in the state.

Texas Dram Shop Law (TABC § 2.02):
Texas holds bars, restaurants, and other establishments liable if they serve alcohol to someone who is “obviously intoxicated” and that person later causes an accident.

Signs of Obvious Intoxication:

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

Potentially Liable Parties:

  • Bars and nightclubs
  • Restaurants serving alcohol
  • Liquor stores
  • Event organizers (concerts, festivals)
  • Social hosts (limited circumstances)

Why Drunk Driving Cases Are Valuable:

  • Punitive damages available for gross negligence
  • Multiple defendants (driver + establishment)
  • Criminal case can strengthen civil case
  • Insurance companies often settle quickly to avoid negative publicity

Our Criminal Defense Advantage:
Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving us unique insight into both the criminal and civil aspects of drunk driving cases. We’ve successfully handled DWI cases, including:

  • A case dismissed because police failed to properly maintain breathalyzer machines
  • A case dismissed on the day of trial due to missing EMS notes and no breath/blood test
  • A case dismissed because video evidence showed the client was not drunk

Motorcycle Accidents

Motorcycle accidents are particularly dangerous, with 585 motorcyclist fatalities in Texas in 2024. Riders are 28 times more likely to die in a crash than passenger car occupants.

Texas Helmet Law:

  • Required for all riders under 21
  • Riders 21+ may ride without a helmet if they:
    • Have completed an approved motorcycle safety course, OR
    • Have at least $10,000 in medical insurance coverage

Common Causes of Motorcycle Accidents:

  • Failure to yield right of way (most common)
  • Driver inattention/distraction
  • Unsafe lane changes
  • Left-turn accidents (T-bone/head-on)
  • Speeding/reckless driving
  • Road hazards (potholes, debris)

The 51% Rule Challenge:
Insurance companies often try to blame motorcyclists for accidents, arguing that riders are inherently more at risk. Texas’s 51% comparative fault rule means that if you’re found to be 51% or more at fault, you recover nothing.

Lupe Peña’s experience as an insurance defense attorney is particularly valuable in motorcycle cases, as he knows exactly how insurance companies try to shift blame onto riders.

Pedestrian Accidents

Pedestrian accidents are on the rise in Texas, with 6,095 pedestrian crashes in 2024 resulting in 768 fatalities. Pedestrians account for just 1% of crashes but 19% of all roadway deaths.

Critical Legal Point:
In Texas, pedestrians ALWAYS have the right-of-way at intersections—even unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you.

Common Pedestrian Accident Locations in Blanco County:

  • Crosswalks in Johnson City and Blanco
  • Parking lots (grocery stores, restaurants, shopping centers)
  • Rural roads with no sidewalks
  • School zones and bus stops
  • Areas with poor lighting or visibility

Common Injuries:

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

Rideshare Accidents (Uber/Lyft)

Rideshare accidents present unique challenges due to the complex insurance coverage structure. With 11 billion rideshare trips in the U.S. since 2010, these accidents are becoming increasingly common.

Rideshare Insurance Phases:

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

Why This Matters:
The amount of insurance coverage available depends on what the driver was doing at the exact moment of the crash. This complexity is why you need an attorney who understands rideshare insurance—like Lupe Peña, who knows the system from his time as an insurance defense attorney.

Who Can Be Injured:

  • 21% Riders
  • 21% Drivers
  • 58% Third parties (other drivers, pedestrians, passengers in other vehicles)

Hit and Run Accidents

Hit and run accidents are particularly frustrating, leaving victims with injuries and no clear path to compensation. In Texas, hit and run is a serious crime with severe penalties:

Severity Charge Penalty
Death 2nd Degree Felony 2-20 years prison, up to $10K fine
Serious Bodily Injury 3rd Degree Felony 2-10 years prison, up to $10K fine
Minor Injury State Jail Felony Up to 5 years, up to $5K fine
Property Damage ≥$200 Class B Misdemeanor Up to 6 months jail, up to $2K fine

Your Recovery Options:
If the at-fault driver is never identified, your own Uninsured Motorist (UM) coverage can compensate you. Texas allows inter-policy stacking, which means you can combine UM coverage from multiple vehicles on your policy.

Evidence Preservation is Critical:

  • Surveillance footage is typically deleted within 7-30 days
  • Witnesses may forget details or become unreachable
  • The sooner you call Attorney911, the sooner we can send preservation letters to secure critical evidence

Tesla and Autonomous Vehicle Accidents

As autonomous vehicle technology advances, we’re seeing a new type of accident claim. Tesla’s Autopilot system has been involved in several high-profile crashes, including:

  • May 2016: First U.S. Autopilot fatality in Florida (18-wheeler collision)
  • March 2018: Apple engineer killed in Mountain View, CA (settled April 2024)
  • August 2025: $240M+ jury verdict against Tesla in Miami

Key Liability Arguments:

  1. Tesla marketed Autopilot as safer than human drivers
  2. Marketing fostered driver overconfidence (overreliance)
  3. Tesla knew the system couldn’t detect emergency vehicles
  4. Tesla used over-the-air software updates instead of comprehensive fixes

NHTSA Data:

  • Tesla Autopilot accounts for 70% of driver-assist crashes reported to NHTSA
  • December 2023: Tesla recalled 2+ million vehicles for Autopilot issues

Why These Cases Are Complex:

  • Product liability claims against vehicle manufacturers
  • Software defect allegations
  • Federal court jurisdiction for complex cases
  • Need for expert testimony on autonomous systems

Ralph Manginello’s federal court admission and experience with complex litigation make Attorney911 uniquely qualified to handle these cutting-edge cases.

Delivery Vehicle Accidents (Amazon, FedEx, UPS)

Delivery vehicle accidents are on the rise with the growth of e-commerce. Amazon’s Delivery Service Partner (DSP) program has been particularly problematic, with higher-than-average accident rates.

Key Verdicts:

  • 2024: $16.2M verdict for Georgia child struck by Amazon delivery van
  • 2024: $105M verdict in Lopez v. All Points 360 (Amazon DSP case)
  • 2023: $5M settlement in Amazon delivery accident case

Amazon DSP Liability Issues:

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

Why These Cases Are Valuable:

  • Trucks are 3x the size and weight of passenger cars, causing more severe injuries
  • $1M+ liability insurance policies are required
  • Multiple liable parties (driver, delivery company, Amazon, vehicle manufacturer)
  • Business model encourages dangerous behavior (tight delivery windows)

Work Zone and Construction Zone Accidents

Work zone accidents are a growing problem in Texas, with nearly 28,000 crashes in Texas work zones in 2024, resulting in 215 deaths—a 12% increase over the previous year.

Real Case Example:
Katrina Bond, a college student, slowed for work zone traffic on I-35 near Fort Worth. A driver of a heavy pickup (who admitted to receiving a text message) rear-ended her, pushing her car into the path of another truck. The accident was fatal.

Why Work Zone Accidents Are Dangerous:

  • Narrowed lanes and reduced speed limits create congestion
  • Workers present in the roadway
  • Confusing signage or inadequate warnings
  • Drivers speeding or not paying attention
  • Poor lighting or visibility

Liability in Work Zone Accidents:

  • Construction companies (inadequate signage, poor traffic control)
  • Government entities (poor road design, inadequate maintenance)
  • Other drivers (speeding, distracted driving)
  • Vehicle manufacturers (defective equipment)

Wrongful Death Claims

Losing a loved one in a motor vehicle accident is devastating. Texas law allows surviving family members to pursue wrongful death claims to recover compensation for their loss.

Wrongful Death vs. Survival Action:

Claim Type Brought By What It Recovers
Wrongful Death Surviving family (spouse, children, parents) Damages THEY suffered from loss of loved one
Survival Action Deceased’s estate Damages THE DECEASED would have recovered if they survived

Damages Available in Wrongful Death Cases:

  • Funeral and burial expenses
  • Loss of financial support
  • Loss of companionship and society
  • Mental anguish and emotional pain
  • Loss of inheritance
  • Loss of household services

Damages Available in Survival Actions:

  • Pain and suffering before death
  • Medical expenses before death
  • Lost income before death

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

Uninsured/Underinsured Motorist (UM/UIM) Claims

Despite Texas law requiring all drivers to carry minimum insurance coverage ($30K/$60K/$25K), 15.4% of Texas drivers are uninsured. When you’re hit by an uninsured or underinsured driver, your own UM/UIM coverage can compensate you.

Texas UM/UIM Rules:

  • All auto policies in Texas must include UM/UIM coverage unless specifically rejected in writing
  • Texas allows inter-policy stacking (combining coverage from multiple vehicles)
  • Standard UM/UIM deductible: $250
  • Your UM/UIM coverage cannot exceed your liability coverage

When UM/UIM Applies:

  • Hit and run accidents (when at-fault driver is unidentified)
  • Accidents with uninsured drivers
  • Accidents where the at-fault driver’s insurance is insufficient to cover your damages

Watch our video on UM/UIM claims: Uninsured & Underinsured Motorists

Bicycle Accidents

With 78 cyclist fatalities in Texas in 2024, bicycle accidents are a serious concern. Blanco County’s rural roads and scenic routes attract cyclists, but these areas can be dangerous due to narrow shoulders and high-speed traffic.

Texas Bicycle Laws:

  • Bicyclists have the same rights and duties as motor vehicle drivers
  • Bicyclists must ride as far right as practicable (except when unsafe)
  • Motor vehicles must maintain a safe distance when passing cyclists (at least 3 feet)
  • Bicyclists must use lights and reflectors at night

Common Causes of Bicycle Accidents:

  • Failure to yield right of way
  • Distracted driving
  • Dooring (car doors opening into cyclists)
  • Poor road conditions
  • Vehicle turning left in front of cyclist
  • Vehicle overtaking cyclist

The 51% Rule Challenge:
Insurance companies often try to blame cyclists for accidents, arguing that they contributed to the collision. Texas’s 51% comparative fault rule means that if you’re found to be 51% or more at fault, you recover nothing.

Bus Accidents

Bus accidents can involve multiple victims and complex liability issues. In Texas, we saw 1,110 bus accidents in 2024, resulting in 17 fatal crashes and 549 injury crashes.

Types of Bus Accidents:

  • City buses (Capital Metro, VIA, etc.)
  • School buses
  • Charter buses
  • Tour buses
  • Private shuttles

Liable Parties in Bus Accidents:

  • Bus driver (fatigue, distraction, impairment)
  • Bus company (inadequate training, negligent maintenance)
  • Bus manufacturer (defective parts)
  • Other drivers (third-party vehicles)
  • Government entities (poor road design, inadequate signage)

School Bus Statistics:

  • 2,523 school bus crashes in Texas (2023)
  • 11 school bus deaths
  • 63 serious injuries
  • 10,000+ students injured in the 2021-22 school year

E-Bike and E-Scooter Accidents

E-bikes and e-scooters are becoming increasingly popular in Texas, but they come with unique risks and legal considerations.

Texas E-Bike Classifications:

Class Max Speed Throttle Pedal Assist
Class 1 20 mph No Yes
Class 2 20 mph Yes Yes
Class 3 28 mph No Yes

Legal Requirements:

  • No license required for standard e-bikes
  • No registration required
  • Motor limit: 750W (1 horsepower) or less
  • Speed limit: 28 mph maximum assisted speed
  • No statewide helmet requirement (some cities require helmets for riders under 17)

If E-Bike Exceeds Standards:

  • Motor over 750W, speed over 28 mph, or throttle on Class 3 = NOT an “electric bicycle” under Texas law
  • May require registration as a motor vehicle
  • Different insurance and liability implications

Liability in E-Bike Accidents:

  • Motorists who strike e-bike riders
  • E-bike manufacturers (product defects – battery fires, brake failures)
  • Pedestrians struck by e-bikes
  • Property owners (premises liability for poorly maintained paths)

Texas Motor Vehicle Law Framework

Statute of Limitations

In Texas, you have a limited time to file a lawsuit after a motor vehicle accident:

Claim Type Time Limit Starts From
Personal Injury 2 years Date of accident
Wrongful Death 2 years Date of death
Property Damage 2 years Date of damage
Government Claims 6 months notice Date of incident
Minors Tolled until 18 Then 2 years

Critical Note: If you miss the deadline, your case is barred forever. You cannot file a lawsuit or recover compensation. This is why it’s crucial to contact an attorney as soon as possible after your accident.

Comparative Negligence (51% Bar Rule)

Texas uses a modified comparative negligence system with a 51% bar:

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

Examples:

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

Why This Matters:
Insurance companies will try to assign you maximum fault to reduce their payment. Even small percentages can cost you thousands. Lupe Peña’s experience as an insurance defense attorney is invaluable in countering these arguments.

Texas Minimum Auto Insurance Requirements

Texas is an at-fault state, meaning the at-fault driver’s insurance is responsible for paying damages. The minimum required coverage is:

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

Uninsured Motorist Statistics:

  • 15.4% of U.S. motorists are uninsured (approximately 1 in 7 drivers)
  • Uninsured Motorist (UM) coverage is critical for protection
  • Texas allows inter-policy stacking

Dram Shop Liability (TABC § 2.02)

Texas holds establishments liable if they serve alcohol to someone who is “obviously intoxicated” and that person later causes an accident.

Elements to Prove:

  1. The establishment served alcohol to a patron who was obviously intoxicated
  2. The over-service was the proximate cause of the accident and damages

Signs of Obvious Intoxication:

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

Potentially Liable Parties:

  • Bars and nightclubs
  • Restaurants serving alcohol
  • Liquor stores
  • Event organizers (concerts, festivals)
  • Social hosts (limited circumstances in Texas)

Punitive Damages

Punitive (exemplary) damages are available in cases of gross negligence, fraud, or malice. They are capped in Texas at the greater of:

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

Common Punitive Damage Situations in MVA Cases:

  • Drunk driving accidents
  • Extreme speeding (100+ mph)
  • Hit and run accidents
  • Known vehicle defects
  • Repeat DUI offenders

What to Do After an Accident in Blanco County

48-Hour Immediate Action Protocol

Hour 1-6 (Immediate Crisis):
Safety First: If you can move safely, get to a secure location away from traffic
Call 911: Report the accident, request medical assistance if anyone is injured
Medical Attention: If injured, get to the ER immediately. Adrenaline masks injuries – you may be hurt and not know it yet
Document Everything:

  • Take photos of ALL vehicle damage (every angle)
  • Photograph the accident scene, road conditions, traffic signals
  • Take photos of visible injuries
  • Screenshot any messages visible on your phone (do NOT delete anything)
    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
  • Ask if they saw what happened
  • Record their statements if possible
    Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to ANY insurance company

Hour 6-24 (Evidence Preservation):
Digital Preservation:

  • Preserve all texts, calls, photos, videos related to the accident
  • Do NOT delete anything from your phone
  • Screenshot everything relevant
  • Email copies to yourself for backup
    Physical Evidence:
  • Secure damaged clothing, glasses, 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:

  • Speak with an experienced motor vehicle accident attorney
  • Call Attorney911: 1-888-ATTY-911 for a free consultation
  • Have your documentation ready
    Insurance Response:
  • If insurance contacts you, refer them to your attorney
  • Say: “My attorney will be in touch with you”
  • Provide only basic information: name, date of accident, that you were involved
    Settlement Offers:
  • Do NOT accept or sign anything without lawyer review
  • Early offers are ALWAYS lowball offers
  • You don’t know the extent of your injuries yet
    Evidence Backup:
  • Upload all screenshots and photos to cloud storage
  • Email copies to yourself and a family member
  • Create a written timeline of events while your memory is fresh

Week One Priorities:
Medical Follow-Up:

  • Continue documenting all injuries
  • See specialists if recommended
  • Follow ALL doctor recommendations (insurance watches for gaps)
  • Get written work restrictions if needed
    Investigation Begins:
  • Attorney obtains police report
  • Preservation letters sent to all parties
  • Surveillance footage secured before deletion
  • Witness statements recorded
    Communication:
  • Attorney handles ALL insurance communication
  • You focus on recovery
  • Document any pressure from insurance or other parties

Evidence Deterioration Timeline

This creates legitimate urgency—evidence DOES disappear on a predictable schedule:

Timeframe What Disappears
Day 1-7 Witness memories peak, then begin fading immediately
Day 7-30 Surveillance footage DELETED (gas stations: 7-14 days, retail: 30 days)
Month 1-2 Insurance companies solidify defense position, adjusters build file against you
Month 2-6 Trucking ELD data DELETED (30-180 days), cell phone records harder to obtain
Month 6-12 Witnesses graduate/move away, memories severely degraded
Month 12-24 Approaching statute of limitations, creates pressure to settle

Why Attorney911 Moves Fast:
Within 24 hours of retention, we send preservation letters to ALL parties:

  • Other driver and their insurance company
  • Trucking companies (for commercial vehicle accidents)
  • Business owners (for surveillance footage)
  • Employers (if work-related)
  • Property owners (if premises liability)
  • Government entities (if applicable)

These letters LEGALLY REQUIRE evidence preservation before automatic deletion.

Damages You Can Recover

Economic Damages (No Cap in Texas)

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

Non-Economic Damages (No Cap Except Medical Malpractice)

Damage Type What It Covers
Pain and Suffering Physical pain from injuries, both past and future
Mental Anguish Emotional distress, anxiety, depression, fear, PTSD
Physical Impairment Loss of physical function, disability, limitations
Disfigurement Scarring, permanent visible injuries affecting appearance
Loss of Consortium Impact on marriage/family relationships, loss of companionship
Loss of Enjoyment of Life Inability to participate in activities you previously enjoyed

Punitive/Exemplary Damages (Capped)

  • Available for gross negligence, fraud, or malice
  • Drunk driving cases often qualify
  • Cap: Greater of $200,000 OR (2x economic + 1x non-economic max $750,000)

Settlement Ranges by Injury Type

Soft Tissue Injuries (Whiplash, Sprains, Strains)

Medical Treatment: $6,000-$16,000
Lost Wages: $2,000-$10,000
Pain & Suffering: $8,000-$35,000
SETTLEMENT RANGE: $15,000-$60,000

Broken Bone (Single, Simple Fracture)

Medical Treatment: $10,000-$20,000
Lost Wages: $5,000-$15,000
Pain & Suffering: $20,000-$60,000
SETTLEMENT RANGE: $35,000-$95,000

Broken Bone (Requiring Surgery – ORIF)

Medical Treatment: $47,000-$98,000
Lost Wages: $10,000-$30,000
Pain & Suffering: $75,000-$200,000
SETTLEMENT RANGE: $132,000-$328,000

Herniated Disc (Conservative Treatment)

Medical Treatment: $22,000-$46,000
Lost Wages: $8,000-$25,000
Pain & Suffering: $40,000-$100,000
SETTLEMENT RANGE: $70,000-$171,000

Herniated Disc (Surgery Required)

Medical Treatment: $96,000-$205,000
Future Medical: $30,000-$100,000
Lost Wages: $20,000-$50,000
Lost Earning Capacity: $50,000-$400,000
Pain & Suffering: $150,000-$450,000
SETTLEMENT RANGE: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe)

Medical Treatment: $198,000-$638,000
Future Medical: $300,000-$3,000,000+
Lost Wages: $50,000-$200,000
Lost Earning Capacity: $500,000-$3,000,000+
Pain & Suffering: $500,000-$3,000,000+
SETTLEMENT RANGE: $1,548,000-$9,838,000

“Multi-million dollar settlement for client who suffered brain injury with vision loss when log dropped on him at logging company.” – Attorney911 Case Result

Spinal Cord Injury / Paralysis

Lifetime Care Costs by Level:

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

SETTLEMENT RANGE: $4,770,000-$25,880,000

Amputation

Medical Treatment: $170,000-$480,000
Future Medical (Lifetime Prosthetics): $500,000-$2,000,000
SETTLEMENT RANGE: $1,945,000-$8,630,000

“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.” – Attorney911 Case Result

Wrongful Death (Working Age Adult)

Economic Damages:

  • Funeral and burial: $10,000-$20,000
  • Medical expenses before death: $50,000-$500,000
  • Lost financial support: $1,000,000-$4,000,000

Non-Economic Damages:

  • Loss of companionship: $500,000-$3,000,000
  • Loss of advice and counsel: $100,000-$500,000
  • Mental anguish: $250,000-$1,500,000

SETTLEMENT RANGE: $1,910,000-$9,520,000

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

Nuclear Verdicts Trend (2024-2025)

Nuclear verdicts—jury awards exceeding $10 million—are becoming more common in Texas. These large verdicts increase settlement values across all serious injury cases.

Recent Texas Nuclear Verdicts:

Year Case Amount Details
2024 Hatch v. Jones $81,720,000 Car accident wrongful death
2024 Frito-Lay Warehouse $72,000,000 Vehicle collision
2024 Lopez v. All Points 360 $105,000,000 Amazon DSP accident
2024 New Prime I-35 pileup $44,100,000 Trucking accident (6 deaths)
2024 Oncor Electric $37,500,000 Trucking accident
2024 Ben E. Keith $35,000,000 Trucking accident (Fort Worth)
2023 Johnson v. Union Pacific $557,000,000 Train accident
2021 Ramsey v. Landstar $730,000,000 Trucking accident
2017 Kindred v. Delbosque $301,000,000,000 Drunk driving (largest in Texas history)

Why This Matters:
Insurance companies fear nuclear verdicts. This fear gives Attorney911 leverage in every negotiation. Our trial readiness and multi-million dollar track record mean insurance companies take us seriously.

Why Choose Attorney911 for Your Blanco County Accident Case

1. Insurance Defense Insider Advantage

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

Lupe spent years working FOR insurance companies. He knows:

  • How they value claims (he calculated them himself)
  • Which IME doctors they favor (he hired them)
  • How they set reserves (he set them)
  • How they delay and deny claims (he deployed these tactics)
  • How they argue comparative fault (he made these arguments)

Now, he uses that insider knowledge to fight FOR you. This is an advantage no other Blanco County law firm can offer.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for accident victims across Texas, including:

  • Multi-million dollar settlement for a brain injury with vision loss
  • Millions for a car accident amputation case
  • Millions in trucking wrongful death cases
  • Significant settlement for a maritime back injury

Our results prove we don’t settle for lowball offers. We fight for what your case is truly worth.

3. Federal Court Experience

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

  • Complex trucking cases involving interstate commerce
  • Cases against large corporations
  • Product liability claims (like defective vehicle parts)
  • Cases with multiple defendants

“Our firm is one of the few firms in Texas to be involved in BP explosion litigation.”

This experience means we’re prepared to take on even the most complex cases that other firms might avoid.

4. Personal Attention You Can Trust

At Attorney911, you’re not just another case number. As client Chad Harris shared:

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

Our clients consistently praise our communication and personal service:

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

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

“Ralph reached out personally.” – Dame Haskett

5. Contingency Fee – No Risk to You

We work on a contingency fee basis, which means:

  • Free consultation to discuss your case
  • No upfront costs
  • We advance all case expenses
  • You pay nothing unless we win
  • If we don’t recover compensation for you, you owe us nothing

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

Frequently Asked Questions

1. What should I do immediately after a car accident in Blanco County?
If you’ve been in an accident in Blanco County:

  • Call 911 and report the accident
  • Seek medical attention even if you feel fine (adrenaline masks injuries)
  • Document everything: photos of damage, injuries, scene
  • Exchange information with 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 the 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 Blanco County, you can obtain the police report from the responding agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

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 later need surgery.

11. What if the other driver is uninsured or underinsured?
Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you. Texas allows inter-policy stacking. Watch our video: Uninsured & Underinsured Motorists

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.

13. Do I have a personal injury case?
You may have a case if:

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

Watch our video: Do I Have a Good Case?

14. When should I hire a car accident lawyer?
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?

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?

19. How long will my case take to settle?
Depends on injury severity. We don’t settle until you’ve reached Maximum Medical Improvement (MMI). Could be 6 months for minor injuries, 18-24 months for serious injuries.

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

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

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

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.

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?

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.”

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

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.

36. What if I have a pre-existing condition?
You can still recover. If the accident AGGRAVATED your pre-existing condition, you’re entitled to compensation for the aggravation. The “eggshell plaintiff” rule means the defendant takes you as they find you. We hire medical experts to prove the difference between your condition before and after the accident.

37. Can I switch attorneys if I’m unhappy with my current lawyer?
YES. You can fire your attorney at any time. If your attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you have the right to switch. Attorney911 has taken over many cases from other attorneys. As Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” Call 1-888-ATTY-911 to discuss switching.

38. What if the insurance company is my own insurance (UM/UIM claim)?
Uninsured/Underinsured Motorist claims are against YOUR insurance when the other driver has no insurance or insufficient insurance. Your insurance company will fight your claim just like the other driver’s insurance would. You need attorney representation. Texas allows inter-policy stacking (combining coverage from multiple vehicles). Lupe’s insurance knowledge is critical for maximizing UM/UIM recovery.

39. How do you calculate pain and suffering?
Most commonly using the multiplier method: Medical expenses × multiplier (1.5 to 5) = pain & suffering. The multiplier depends on:

  • Injury severity
  • Permanency
  • Impact on life
  • Clear liability
  • Sympathetic plaintiff
  • Egregious defendant conduct

Lupe calculated these multipliers for years using insurance company formulas. He knows:

  • When to push for higher multiplier (4-5 vs. 2-3)
  • Which factors insurance weighs most heavily
  • How to document cases to justify higher multipliers

40. What if I was hit by a government vehicle (city bus, police car, etc.)?
Government claims have special rules. You must file notice within 6 months (much shorter than the 2-year statute of limitations). Sovereign immunity protects government entities. Damage caps may apply. These cases are complex—you need an experienced attorney. Ralph’s 25+ years includes government litigation. Call 1-888-ATTY-911 immediately—the 6-month deadline is strict.

41. What if the other driver fled the scene (hit and run)?
File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL—gas stations, businesses, Ring doorbells, traffic cameras. Most footage is deleted within 7-30 days. We send preservation letters immediately. Texas allows UM stacking. We’ve recovered substantial settlements in hit and run cases through UM claims.

42. What if I’m an undocumented immigrant—can I still file a claim?
YES. Immigration status does NOT affect your right to compensation for injuries. You’re entitled to full recovery regardless of immigration status. Your case is confidential. We’ve successfully represented clients of all immigration statuses. Lupe is fluent in Spanish. Call 1-888-ATTY-911—we protect your rights and your privacy.

43. What if the accident happened in a parking lot?
Parking lot accidents are fully compensable. Insurance companies often argue “parking lot accidents are always 50/50 fault” (this is a lie). We prove fault through:

  • Surveillance video
  • Witness statements
  • Damage analysis
  • Traffic patterns
  • Texas comparative negligence rules apply

We’ve won many parking lot cases with clear liability findings.

44. What if I was a passenger in the at-fault vehicle?
You can sue the driver even if you were riding with them (friend, family member, Uber driver). You’re an innocent victim. The driver’s insurance covers passengers. No comparative fault issues (you weren’t driving). These cases often settle quickly because liability is clear. We handle the difficult conversation so you don’t have to.

45. What if the other driver died in the accident?
You can still pursue a claim against the deceased driver’s estate and insurance. Death doesn’t eliminate liability. The insurance policy still applies. The estate may have assets. Wrongful death laws protect both sides. These cases are emotionally complex but legally straightforward. We handle them with sensitivity while protecting your rights.

Contact Attorney911 Today

If you or a loved one has been injured in a motor vehicle accident in Blanco County, Texas, don’t wait. Evidence disappears daily, and the insurance company is already building their case against you.

Call our legal emergency line now: 1-888-ATTY-911 (1-888-288-9911)

Free consultation – We don’t get paid unless we win your case.

Hablamos Español – Lupe Peña and our bilingual staff are ready to help Spanish-speaking clients.

Serving all of Texas – From our offices in Houston, Austin, and Beaumont, we handle cases across the state, including Blanco County and the surrounding Hill Country region.

“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

“This place feels like having a family over your case. And communication with you every step of the way. That’s how you know you’re in good hands.” – Kiwi Potato

Don’t face this alone. Call Attorney911 today: 1-888-ATTY-911. We’re here to fight for you.