Motor Vehicle Accident Lawyers in Charlotte, Texas | Attorney911

If you’ve been injured in a motor vehicle accident in Charlotte, Texas, you’re not alone. With over 251,977 people injured in Texas motor vehicle crashes in 2024 alone – that’s one person every 2 minutes and 5 seconds – the roads of Atascosa County and surrounding areas present constant danger. At Attorney911, we understand the physical pain, emotional trauma, and financial uncertainty you’re facing after an accident in Charlotte or nearby communities like Pleasanton, Jourdanton, or Poteet.

Ralph Manginello, our founding attorney with 25+ years of experience handling Texas car accident cases, leads our team in fighting for maximum compensation for Charlotte residents. Whether you were injured on US Highway 281, FM 140, or the local streets of Charlotte, our firm has the expertise to navigate the complex legal landscape of Atascosa County courts and insurance claims.

The Reality of Motor Vehicle Accidents in Charlotte, Texas

Charlotte and Atascosa County see their share of serious accidents, with rural roads, agricultural traffic, and oil field vehicles creating unique hazards. The statistics paint a sobering picture:

• One reportable crash occurs every 57 seconds in Texas
• 4,150 people lost their lives on Texas roads in 2024
• Rural areas like Atascosa County often see higher fatality rates due to delayed emergency response times
• 1,053 of those deaths involved alcohol-impaired driving – a completely preventable tragedy

In Charlotte, we’ve seen accidents at dangerous intersections, along the busy US 281 corridor, and on rural farm-to-market roads where visibility is limited. Our firm has handled cases involving:

• Rear-end collisions on US 281 during rush hour
• Head-on crashes on FM 140 due to distracted driving
• Rollover accidents on rural roads
• Accidents involving oil field service vehicles
• Drunk driving incidents at local establishments

When you’re injured in an accident in Charlotte, the consequences extend far beyond the initial impact. You may be facing:

• Mounting medical bills from Atascosa Regional Hospital or specialists in San Antonio
• Lost wages if you can’t return to work at local employers
• Physical pain and emotional trauma
• Property damage to your vehicle
• Uncertainty about your legal rights and options

This is where Attorney911 steps in. We’re not just Texas attorneys – we’re your neighbors who understand the unique challenges faced by accident victims in Charlotte and Atascosa County.

Why Charlotte Residents Choose Attorney911

1. Insurance Defense Insider Advantage

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

This insider knowledge is our most powerful advantage. While other firms guess how insurance companies operate, we know their playbook because Lupe used it for years. He understands:

• How adjusters calculate claim values using Colossus software
• Which medical codes trigger higher settlements (and which minimize your claim)
• The tactics used to delay, deny, and lowball claims
• How to counter their comparative fault arguments
• The real settlement authority limits that adjusters hide

Lupe’s experience allows us to anticipate and defeat insurance company tactics before they’re even deployed. As he explains:

“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. Multi-Million Dollar Results for Texas Accident Victims

Our track record speaks for itself:

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

“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”

“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”

“In a recent case, our client injured his back while lifting cargo on a ship. Our investigation revealed that he should have been assisted in this duty, and we were able to reach a significant cash settlement”

These results demonstrate our ability to handle even the most complex cases. Whether you’ve suffered a catastrophic injury on US 281 or a serious accident on a rural Atascosa County road, we have the experience to fight for maximum compensation.

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. This federal court admission is crucial for:

• Trucking accidents involving interstate commerce
• Cases against major corporations
• Complex product liability claims
• Cases with multiple defendants across state lines

Our firm was also one of the few selected to participate in the BP Texas City explosion litigation – a complex case involving multiple defendants and catastrophic injuries. This experience demonstrates our capability to handle high-stakes litigation against billion-dollar corporations.

4. Personal Attention from Start to Finish

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.”

We understand that after an accident in Charlotte, you need more than just legal representation – you need someone who will listen, explain your options, and fight for your best interests. Our clients consistently praise our communication:

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

“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.” – Stephanie Hernandez

“Consistent communication and not one time did I call and not get a clear answer…Ralph reached out personally.” – Dame Haskett

5. Contingency Fee – No Risk to You

We believe that every accident victim in Charlotte deserves access to quality legal representation, regardless of their financial situation. That’s why we work on a contingency fee basis:

• Free consultation to evaluate your case
• No upfront costs or retainers
• We advance all case expenses
• You pay nothing unless we win your case
• Our fee is a percentage of your recovery

This means you can focus on your recovery while we handle the legal battle. As client Ambur Hamilton said:

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

Common Motor Vehicle Accidents in Charlotte, Texas

1. Car Accidents (Tier 1 – Most Common)

Car accidents are the most common type of motor vehicle accident in Charlotte and Atascosa County. With US 281 running through the area and connecting to San Antonio, we see a variety of collision types:

Common Causes:

• Distracted driving (texting, phone use)
• Failure to yield at intersections
• Speeding on rural roads
• Drunk or impaired driving
• Following too closely
• Running red lights or stop signs
• Weather-related accidents (fog, rain)

Common Injuries:

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

Charlotte-Specific Factors:

• Rural roads with limited lighting
• Agricultural equipment sharing the road
• Oil field service vehicles
• Limited emergency response times
• Higher speeds on rural highways

Attorney911 Case Result:

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

Testimonial:

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

What to Do After a Car Accident in Charlotte:

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

2. 18-Wheeler and Commercial Truck Accidents (Tier 1 – Most Dangerous)

Trucking accidents are particularly devastating due to the size and weight disparity between commercial vehicles and passenger cars. In Atascosa County, we see truck accidents involving:

• Oil field service trucks
• Agricultural equipment transporters
• Long-haul trucks traveling US 281
• Local delivery vehicles

Texas Trucking Statistics (2024):

• 39,393 commercial motor vehicle crashes in Texas
• 608 trucking fatalities
• 1,601 serious injuries
• Texas accounts for 11% of ALL fatal truck crashes nationwide
• 549 fatal truck accidents resulted in 620 deaths

Why Trucking Accidents Are More Complex:

• Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
• Higher insurance limits ($750,000 to $5,000,000+ policies)
• Federal regulations govern trucking operations
• Electronic data that must be preserved (ELD, black box)
• More severe injuries due to size disparity

FMCSA Regulations That Often Get Violated:

• Hours of Service (HOS) rules limiting driving time
• Electronic Logging Device (ELD) requirements
• Drug and alcohol testing programs
• Vehicle maintenance standards
• Driver qualification requirements

Attorney911 Advantages for Trucking Cases:

• Federal court admission for complex cases
• Experience with FMCSA regulations
• BP explosion litigation capability
• Multi-million dollar results in trucking cases
• Ability to take on billion-dollar corporations

Attorney911 Case Result:

“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”

Recent Texas Nuclear Verdicts:

• Oncor Electric: $37.5 million (distracted truck driver)
• New Prime I-35 pileup: $44.1 million (6 deaths)
• Ben E. Keith (Fort Worth): $35 million settlement

What to Do After a Truck Accident in Charlotte:

1. Call 911 immediately – truck accidents often cause catastrophic injuries
2. Document the scene thoroughly, including the truck’s company information
3. Preserve evidence – ELD data can be overwritten in 30-180 days
4. Do NOT speak to the trucking company’s insurance without an attorney
5. Call Attorney911 at 1-888-ATTY-911 – we send preservation letters immediately

3. Drunk Driving Accidents (Tier 1 – Completely Preventable)

Drunk driving accidents are particularly tragic because they’re 100% preventable. In Texas:

• 1,053 people were killed in alcohol-impaired driving crashes in 2024
• That’s 25.37% of all traffic fatalities
• 24,000+ DWI-related crashes occurred statewide

Texas Dram Shop Liability (TABC § 2.02):
Texas law allows victims to sue establishments that serve alcohol to obviously intoxicated individuals who then cause accidents. This means bars, restaurants, and even social hosts can be held liable.

Signs of Obvious Intoxication:

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

Potentially Liable Parties:

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

Why Drunk Driving Cases Often Settle for More:

• Punitive damages available for gross negligence
• Multiple defendants (driver + establishment)
• Criminal case can strengthen civil case
• Insurance companies can’t easily defend the indefensible

Attorney911’s Criminal Defense Capability:
Our firm’s membership in the Harris County Criminal Lawyers Association (HCCLA) gives us unique insight into DWI cases. We’ve successfully handled three DWI dismissals that demonstrate our investigation skills:

1. Breathalyzer machine improperly maintained – dismissed
2. No breath/blood test, missing hospital notes – dismissed day of trial
3. Video evidence showed client not drunk – dismissed

What to Do After a Drunk Driving Accident in Charlotte:

1. Call 911 and report the accident – request police response
2. Document the scene and any signs of intoxication
3. Identify the establishment where the driver was drinking
4. Do NOT speak to the at-fault driver’s insurance
5. Call Attorney911 at 1-888-ATTY-911 – we investigate dram shop liability

4. Motorcycle Accidents (Tier 2)

Motorcycle accidents often result in catastrophic injuries due to the lack of protection for riders. In Texas:

• 585 motorcyclists were killed in 2024
• 37% of those killed were not wearing helmets
• 90%+ of fatal victims are male
• Helmets reduce the risk of death by 37%

Texas Helmet Law:

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

Common Causes of Motorcycle Accidents in Atascosa County:

• 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 (gravel, potholes)

Texas 51% Comparative Fault Rule:
Insurance companies often try to blame motorcyclists for accidents. Texas law states that if you’re 51% or more at fault, you recover nothing. If you’re 50% or less at fault, your recovery is reduced by your percentage of fault.

Why Lupe’s Experience Matters:
Lupe Peña spent years making comparative fault arguments for insurance companies. Now he uses that knowledge to defeat these arguments and maximize your recovery.

What to Do After a Motorcycle Accident in Charlotte:

1. Seek medical attention immediately – injuries may not be obvious
2. Document the scene thoroughly, including road conditions
3. Do NOT admit fault or discuss the accident with anyone
4. Call Attorney911 at 1-888-ATTY-911 – we know how to counter insurance blame tactics

5. Pedestrian Accidents (Tier 2)

Pedestrians are the most vulnerable road users, and accidents often result in catastrophic injuries. In Texas:

• 6,095 pedestrian crashes occurred in 2024
• 768 pedestrians were killed
• Pedestrians account for only 1% of crashes but 19% of all roadway deaths

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

Common Pedestrian Injury Locations in Charlotte:

• US 281 crosswalks
• Downtown Charlotte intersections
• School zones
• Residential areas with limited sidewalks
• Parking lots

Common Injuries:

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

What to Do After a Pedestrian Accident in Charlotte:

1. Call 911 immediately – request police and medical response
2. Document the scene and any traffic control devices
3. Get witness information
4. Do NOT speak to the driver’s insurance company
5. Call Attorney911 at 1-888-ATTY-911 – we protect your right-of-way

6. Hit and Run Accidents (Tier 2)

Hit and run accidents leave victims feeling helpless, but Texas law provides avenues for recovery:

• One hit and run occurs every 43 seconds in the U.S.
• In Texas, hit and run penalties range from Class B misdemeanor to 2nd degree felony
• Your Uninsured Motorist (UM) coverage can compensate you when the at-fault driver flees

Texas Hit and Run Penalties:

Severity	Charge	Penalty
Death	2nd Degree Felony	2-20 years prison, up to $10,000 fine
Serious Bodily Injury	3rd Degree Felony	2-10 years prison, up to $10,000 fine
Minor Injury	State Jail Felony	Up to 5 years, up to $5,000 fine
Property Damage ≥$200	Class B Misdemeanor	Up to 6 months jail, up to $2,000 fine

UM/UIM Coverage is Critical:

• Pays when the at-fault driver is unidentified
• Your own policy provides protection
• Texas allows inter-policy stacking (combining multiple policies)

Evidence Preservation is Urgent:

• Surveillance footage deleted in 7-30 days
• Witnesses become harder to locate
• Physical evidence disappears

What to Do After a Hit and Run in Charlotte:

1. Call 911 and file a police report immediately
2. Document the scene and any vehicle fragments left behind
3. Look for witnesses and surveillance cameras
4. Do NOT chase the fleeing driver
5. Call Attorney911 at 1-888-ATTY-911 – we send preservation letters immediately

7. Work Zone and Construction Zone Accidents (Tier 2)

Work zone accidents are on the rise in Texas, with nearly 28,000 crashes occurring in work zones in 2024, resulting in 215 deaths – a 12% increase from the previous year.

Work Zone Statistics:

• 60% of highway contractors reported crashes into work zones (2025 survey)
• 43% of contractors reported worker injuries from work zone crashes
• Work zone fatalities increased 50% nationally from 2013-2023

Common Work Zone Hazards in Atascosa County:

• Narrowed lanes on US 281
• Lane shifts on FM 140
• Flaggers directing traffic
• Construction vehicles entering/exiting sites
• Uneven road surfaces

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 truck (who admitted to receiving a text message) rear-ended her, pushing her car into the path of another truck. The accident was fatal.

What to Do After a Work Zone Accident in Charlotte:

1. Call 911 and report the accident
2. Document the work zone setup and any signage
3. Identify the construction company
4. Do NOT speak to construction company representatives
5. Call Attorney911 at 1-888-ATTY-911 – we investigate all liable parties

8. Other Motor Vehicle Accident Types

Bicycle Accidents:

• 78 cyclist fatalities in Texas in 2024
• Texas 51% bar rule often used against cyclists
• Common in Charlotte due to limited bike lanes

Rideshare Accidents (Uber/Lyft):

• Insurance coverage varies by phase (waiting, en route, transporting)
• 58% of rideshare accident victims are third parties
• Complex insurance claims process

Delivery Vehicle Accidents (Amazon, UPS, FedEx):

• Amazon DSP drivers involved in 1,879 crashes in 24 months
• Higher safety violation rates than average motor carriers
• $105 million verdict against Amazon DSP in 2024

Tesla/Autopilot Accidents:

• Tesla Autopilot accounts for 70% of driver-assist crashes
• $240 million jury verdict in 2025
• Liability for software defects and overconfidence marketing

E-Scooter/E-Bike Accidents:

• Class 1: 20 mph max, pedal assist
• Class 2: 20 mph max, throttle + pedal assist
• Class 3: 28 mph max, pedal assist only

Boat/Maritime Accidents:

• Relevant for nearby lakes and waterways
• Attorney911 has maritime accident experience

“In a recent case, our client injured his back while lifting cargo on a ship. Our investigation revealed that he should have been assisted in this duty, and we were able to reach a significant cash settlement”

What to Do Immediately After an Accident in Charlotte, Texas

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 in Charlotte, request medical assistance if anyone is injured

✅ Medical Attention: If injured, get to Atascosa Regional Hospital or call EMS 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 from Atascosa Regional Hospital
• 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 experienced motor vehicle accident attorney
• Call Attorney911: 1-888-ATTY-911 for 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 extent of your injuries yet

✅ Evidence Backup:

• Upload all screenshots and photos to cloud storage
• Email copies to yourself and family member
• Create written timeline of events while 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 from Charlotte PD or Atascosa County Sheriff
• 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

Texas Motor Vehicle Law Framework

Statute of Limitations

Texas Civil Practice & Remedies Code § 16.003

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

Exceptions:

• Discovery Rule: SOL may start later if injury/cause not immediately discoverable
• Defendant Absence: Tolled if defendant leaves Texas
• Mental Incapacity: Tolled during incapacity

CRITICAL: Miss the deadline = case BARRED forever. Cannot be extended or waived.

Comparative Negligence (51% Bar Rule)

Texas Civil Practice & Remedies Code § 33.001

Texas uses modified comparative negligence with a 51% bar:

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

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

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

Lupe’s insurance defense experience helps counter their comparative fault arguments because he made these arguments for years – now he defeats them.

Texas Minimum Auto Insurance Requirements

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 US motorists are uninsured (approximately 1 in 7 drivers)
• UM/UIM coverage is critical for protection
• Texas allows inter-policy stacking

Insurance Company Tactics Exposed

At Attorney911, we know how insurance companies operate because Lupe Peña spent years working for them. Here are the tactics they use to minimize or deny your claim:

1. Quick Contact & Recorded Statement Trap

What They Do:
Within hours or days of your accident, an insurance adjuster will contact 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 to process your claim”
• “This is routine, everyone does this”
• “It’ll only take a few minutes”

What They’re Really Doing:
They’re building their defense against you with leading questions designed to get you to say things that hurt your case:

Question They Ask	What They Want You to Say
“You’re feeling better now though, right?”	Trap you into saying you’re improving
“It wasn’t that bad of an impact, was it?”	Minimize collision severity
“You were able to walk away from the scene?”	Suggest injuries not serious
“Were you distracted at all?”	Get you to admit distraction
“How fast were you going?”	Hope you overestimate or say “I don’t know”

The Truth:

• You are NOT required to give a recorded statement to the other driver’s insurance
• Giving a statement without an attorney ALMOST ALWAYS hurts your case
• Insurance companies know this – that’s why they push so hard

How Attorney911 Counters:
Once you hire us, we become your voice. We:

• Handle all calls from insurance companies
• Prepare you properly if a statement becomes necessary
• Sit with you during any statements
• Know their questions because Lupe asked them for years

DO NOT give a recorded statement without us.

2. Quick Settlement Offer Trap

What They Do:
Within days or weeks of your accident, the insurance company will offer you quick money:

• Typical offers: $2,000-$5,000
• Sometimes $10,000-$15,000 if they’re scared
• Sounds good when you have mounting bills and no income

They Create Artificial Urgency:

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

The Trap:
You don’t know the full extent of your injuries yet. Consider this scenario:

What Happens	Result
Day 3: Insurance offers $3,500 “final settlement”	You’re desperate, in pain, scared
You sign the release	You think it’s over
Week 6: MRI shows herniated disc requiring surgery	Surgery costs $100,000
TOO LATE	You signed release, can’t reopen claim
You pay $100,000 out of pocket	Insurance pays nothing more

RELEASE IS PERMANENT AND FINAL.

How Attorney911 Counters:
We NEVER settle before you reach Maximum Medical Improvement (MMI) – the point where you’ve recovered as much as you’re going to. This could be:

• 6 months for minor injuries
• 12-18 months for serious injuries
• 24+ months for catastrophic injuries

Lupe calculated these lowball offers for years – he KNOWS they’re offering 10-20% of your case’s true value.

3. “Independent” Medical Exam (IME) Scheme

What They Call It:
“Independent Medical Examination”

What It Really Is:
An insurance company hired doctor whose job is to minimize your injuries.

How Insurance Companies Choose IME Doctors:
They don’t select the most qualified doctors – they select doctors who:

• Consistently give insurance-favorable reports
• Find “no injury” or “pre-existing condition” in most cases
• Are paid thousands by insurance companies ($2,000-$5,000 per exam)
• Get repeat business by giving favorable reports

What Happens at an IME:

• 10-15 minute “examination” (vs. your doctor’s thorough evaluation)
• Rarely review your complete medical records beforehand
• Ask questions designed to elicit “I’m feeling better” responses
• Look for ANY reason to minimize your injuries

Common IME Doctor Findings:

What They Say	What It Means
“Patient has pre-existing degenerative changes”	Everyone over 40 has some arthritis – used to deny claims
“Injuries consistent with minor trauma”	Minimizes your pain and suffering
“Patient can return to full duty work”	Eliminates lost wage claims
“Treatment has been excessive”	Attacks your treating doctors
“Subjective complaints out of proportion to objective findings”	Medical speak for calling you a LIAR

How Attorney911 Counters:

• We prepare you extensively before the exam
• We send your complete medical records to the IME doctor first
• We challenge biased IME reports with our own medical experts
• Lupe knows these specific doctors and their biases – he hired them for years

4. Delay and Financial Pressure

What They Do:
Insurance companies drag out your case, hoping you’ll get desperate and accept less money:

• “Still investigating your claim”
• “Waiting for medical records” (that you sent months ago)
• “Reviewing your file”
• “Need additional information”
• Ignore your calls and emails
• Take weeks to respond to simple questions

Why Delay Works:
They know that while they have:

• Unlimited time
• Unlimited resources
• No financial pressure
• Earning interest on YOUR settlement money

You have:

• Mounting medical bills
• Zero income
• Creditors threatening
• Need money NOW

Financial Desperation Makes You Accept Less:

• Month 1: You’d reject $5,000 offer
• Month 6: You’d seriously consider $5,000
• Month 12: You’d BEG for $5,000 just to end the nightmare

How Attorney911 Counters:

• We file a lawsuit to force deadlines
• We set depositions to make them produce witnesses
• We prepare for trial to show we’re serious
• Lupe understands delay tactics because he used them – knows when to push

5. Surveillance and Social Media Monitoring

What They Do:
Insurance companies hire private investigators to:

• Video you doing daily activities
• Film from public places (your driveway, street, stores)
• Follow you to appointments, errands, social activities
• Look for ANY activity that contradicts your injury claims
• One video of you bending over = “Not really injured”

They Monitor ALL Your Social Media:

• Facebook, Instagram, TikTok, LinkedIn, Twitter, YouTube, Snapchat
• Screenshot EVERYTHING: photos, posts, check-ins, comments, likes
• Monitor your friends’ profiles for posts mentioning you
• Use facial recognition to find photos you’re tagged in
• Archive your entire social media history

Examples We’ve Defended Against:

Example	What Happened	Insurance Claimed	Reality
Old Photo	Gym photo from 3 YEARS AGO	Presented as recent, contradicts injury	We proved metadata was pre-accident
Restaurant Check-in	Facebook check-in at restaurant	“Partying and having fun”	Sitting quietly having dinner
Friend’s Comment	Friend posted “Had fun yesterday!”	Evidence of non-injury	Client was resting at home
Walking Dog	Video of client walking dog slowly	“Not disabled”	Doctor RECOMMENDED short walks
Smiling in Photo	Family photo smiling	“Not in pain – she’s smiling!”	Everyone smiles for photos

7 Rules for Clients:

1. Make ALL profiles private immediately
2. DON’T post about accident, injuries, or activities
3. DON’T check in anywhere
4. Tell friends/family: don’t tag, don’t post about you
5. Don’t accept friend requests from strangers (fake profiles)
6. BEST: Stay off social media entirely during your case
7. Assume EVERYTHING is being monitored

Lupe’s Insider Quote:

“I’ve reviewed hundreds of surveillance videos and social media posts as 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.”

6. Comparative Fault Arguments

What They Do:
Insurance companies try to assign you MAXIMUM fault to reduce their payment:

• “You were speeding” (without evidence)
• “You weren’t paying attention” (speculation)
• “You could have avoided this” (hindsight bias)
• “You were distracted” (guessing)
• “You contributed to this accident” (shifting blame)

Why They Do This:
Texas 51% bar rule means:

• If you’re 51%+ at fault → You get NOTHING
• If you’re 50% or less at fault → Your damages reduced by your percentage

Even Small Fault Percentages Cost Thousands:

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

How Attorney911 Counters:
Aggressive Liability Investigation:

• Accident reconstruction proving other driver’s fault
• Witness statements supporting your version
• Police report analysis emphasizing citations
• Expert testimony on perception-reaction time

Lupe knows their fault arguments because he made them for years – now he defeats them.

Colossus & Claim Valuation Software

How Insurance Companies ACTUALLY Value Your Claim:

Lupe knows this system from the inside – he used these systems for years to calculate claim values.

Colossus Software System:

1. Data Entry: Adjuster inputs injury codes, treatment, costs, jurisdiction
2. Coding: Injuries coded using standardized medical terms
3. Calculation: Software applies algorithms to determine “value”
4. Range Output: System provides recommended settlement range
5. Authority: Adjuster typically cannot exceed without supervisor approval

How It’s Manipulated:

Manipulation	Effect
Low Injury Codes	“Soft tissue strain” instead of “disc herniation” reduces value 50-100%
Excessive Treatment Flags	Therapy beyond “normal” range triggers reduction
Conservative Treatment Penalty	Chiropractic valued less than MD
Pre-Existing Reduction	Any prior condition used to reduce value
Jurisdiction Factor	Low-verdict counties get lower values

Why Lupe’s Experience Matters:

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

Reserve Setting:
Insurance companies set reserves – money set aside for your claim based on worst-case scenario. Adjusters usually CANNOT settle for more than the reserve without approval.

How We Increase Reserves:

• Hiring experts (shows we’re investing in the case)
• Taking depositions (creating litigation expense)
• Filing lawsuit (forces trial evaluation)
• Preparing for trial (shows we won’t back down)

Lupe understands reserve psychology and settlement authority limits – this is a GAME-CHANGING advantage.

Proving Liability and Building Your Case

To win your motor vehicle accident case in Texas, we must prove four elements of negligence:

1. Duty of Care

• All drivers have a legal duty to operate their vehicles safely
• Must obey traffic laws, maintain proper lookout, control speed
• Commercial drivers have heightened duty (FMCSA regulations)

2. Breach of Duty

• The at-fault driver violated their duty of care
• Examples: speeding, running red light, texting, DUI, failing to yield

3. Causation

• The breach of duty DIRECTLY caused your injuries
• “But for” test: But for the defendant’s actions, you would not have been injured
• Injuries must be foreseeable result of negligent conduct

4. Damages

• You suffered actual harm (physical, financial, emotional)
• Must be quantifiable or demonstrable
• Medical bills, lost wages, pain and suffering

Evidence Types and Sources

Physical Evidence:

• Vehicle damage photographs (all angles)
• Skid marks, debris, road damage
• Damaged personal property (clothing, glasses, phone)
• Weather and road conditions documentation

Documentary Evidence:

• Police accident report from Charlotte PD or Atascosa County Sheriff
• 911 call recordings
• Traffic camera footage
• Surveillance footage from nearby businesses
• Medical records and bills from Atascosa Regional Hospital
• Employment records (for lost wages)
• Cell phone records (proving distraction)

Electronic Evidence:

• ELD (Electronic Logging Device) data from trucks
• Vehicle black box/EDR (Event Data Recorder)
• GPS/telematics data
• Dashcam footage
• Social media posts (theirs, not yours)

Testimonial Evidence:

• Witness statements
• Expert witness testimony
• Medical expert opinions
• Accident reconstruction specialists

Multiple Liable Parties

Trucking Accidents Can Involve:

• Truck driver (negligent operation)
• Trucking company (negligent hiring, supervision, maintenance)
• Cargo loader (improper loading causing instability)
• Vehicle manufacturer (defective parts)
• Maintenance company (improper repairs)

Rideshare Accidents Can Involve:

• Rideshare driver
• Rideshare company (Uber/Lyft)
• Other at-fault drivers
• Vehicle owner (if different from driver)

Drunk Driving Accidents Can Involve:

• Drunk driver
• Bar/restaurant (dram shop liability)
• Social host (limited circumstances)
• Liquor store (serving obviously intoxicated person)

More liable parties = more insurance policies = higher recovery potential.

Expert Witnesses Attorney911 Works With:

Expert Type	What They Prove
Accident Reconstructionist	How the crash occurred, who was at fault, speeds, angles
Medical Experts	Extent of injuries, future treatment needs, permanent impairment
Life Care Planner	Lifetime cost of care for catastrophic injuries
Vocational Expert	Lost earning capacity, inability to return to prior work
Economist	Present value of future losses, wage calculations
Biomechanical Engineer	How injuries were caused by collision forces
Trucking Industry Expert	FMCSA violations, industry standards
Human Factors Expert	Perception-reaction time, visibility issues

Damages and Compensation You Can Recover

Types of Damages

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)
• Purpose: Punish defendant and deter similar conduct

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):

• Past Medical: $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):

• Past Medical: $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

Attorney911 Documented Result:

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

Spinal Cord Injury / Paralysis:

• Lifetime Care Costs: $2,500,000-$13,000,000+
• Settlement Range: $4,770,000-$25,880,000

Amputation:

• Past Medical: $170,000-$480,000
• Future Medical: $500,000-$2,000,000
• Settlement Range: $1,945,000-$8,630,000

Attorney911 Documented Result:

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

Wrongful Death (Working Age Adult):

• Economic Damages: $1,060,000-$4,520,000
• Non-Economic Damages: $850,000-$5,000,000
• Settlement Range: $1,910,000-$9,520,000

Attorney911 Documented Result:

“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”

Nuclear Verdicts Trend (2024-2025)

Definition: Jury awards exceeding $10 million

Texas Nuclear Verdict Statistics:

• 207 nuclear verdicts ($10M+) from 2009-2023
• Total: $45+ billion in Texas alone
• Texas #1 nationally for nuclear verdicts
• Auto accidents = 23.2% of all nuclear verdicts

Recent Texas Motor Vehicle Nuclear Verdicts:

Year	Case	Amount
2024	Hatch v. Jones (car accident wrongful death)	$81,720,000
2024	Frito-Lay Warehouse (vehicle collision)	$72,000,000
2024	Lopez v. All Points 360 (Amazon)	$105,000,000
2024	New Prime I-35 pileup (6 deaths)	$44,100,000
2024	Oncor Electric (trucking)	$37,500,000
2024	Ben E. Keith (Fort Worth trucking)	$35,000,000

Why This Matters:
Insurance companies FEAR nuclear verdicts. This fear increases settlement values across ALL serious injury cases, not just those going to trial. Attorney911’s trial readiness and multi-million dollar track record gives us leverage in every negotiation.

Settlement Multiplier Method (How Insurance Calculates)

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

Multiplier Range: 1.5 to 5

Injury Severity	Multiplier Range
Minor injuries (soft tissue, quick recovery)	1.5 – 2
Moderate injuries (broken bones, months recovery)	2 – 3
Severe injuries (surgery, long recovery)	3 – 4
Catastrophic injuries (permanent disability)	4 – 5+

Example – Minor Injury:

• Medical expenses: $10,000
• Multiplier: 1.5
• Pain & suffering: $15,000
• Lost wages: $3,000
• Total: $28,000

Example – Severe Injury:

• Medical expenses: $100,000
• Multiplier: 4
• Pain & suffering: $400,000
• Lost wages: $50,000
• Total: $550,000

Factors That Increase Multiplier (Push Toward 4-5):

• Permanent injury or disability
• Scarring or disfigurement
• Long recovery time (12+ months)
• Surgery required
• Ongoing pain management needed
• Impact on daily activities severe
• Clear liability (other driver 100% at fault)
• Sympathetic plaintiff (child, elderly, pregnant)
• Defendant’s conduct egregious (drunk driving, hit and run)
• Strong evidence (video, witnesses)
• Permanent restrictions on work/activities

Factors That Decrease Multiplier (Push Toward 1.5-2):

• Soft tissue injury only
• Quick recovery (under 3 months)
• No surgery required
• Disputed liability (comparative fault)
• Gaps in medical treatment
• Pre-existing conditions
• Minor property damage
• No permanent injury

Why Lupe’s Experience Matters:
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
• When multiplier method undervalues case (catastrophic injuries)
• When to abandon multiplier and demand policy limits

We Don’t Accept Low Multipliers:

• Insurance offers 1.5× multiplier for severe injury? We fight for 4-5×
• We document permanency, impact, severity
• We prepare for trial if they won’t pay fair multiplier
• Our multi-million dollar results prove we don’t accept low multipliers

Medical Knowledge: Understanding Your Injuries

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:

Immediate Symptoms (At Accident Scene or Within Hours):

• Loss of consciousness (even brief – seconds to minutes)
• Confusion and disorientation (“Where am I? What happened?”)
• Vomiting and nausea
• Seizures
• Severe headache
• Dilated pupils
• Slurred speech
• Weakness or numbness

Delayed Symptoms (Hours to Days Later – CRITICAL):

• Worsening headaches that don’t respond to medication
• Repeated vomiting
• Seizures developing days later
• Slurred speech or difficulty speaking
• Personality changes and mood swings
• Sleep disturbances (sleeping much more or can’t sleep)
• Sensitivity to light and noise
• Confusion and memory problems worsening

Severity Classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief LOC (seconds to minutes), GCS 13-15, may seem “fine” initially but can have serious long-term effects
Moderate TBI	LOC minutes to hours, GCS 9-12, lasting cognitive impairment, requires hospitalization
Severe TBI	Extended unconsciousness or coma, GCS 3-8, permanent disability likely, lifetime care needs

Long-Term Complications:

• Chronic Traumatic Encephalopathy (CTE): Progressive brain degeneration, personality changes, dementia
• Post-Concussive Syndrome: Headaches, dizziness lasting months or years (affects 10-15%)
• Increased Dementia Risk: Single moderate TBI doubles dementia risk later in life
• Personality and Mood Disorders: Depression (40-50% of TBI patients), anxiety, irritability
• Seizure Disorders: Can develop months or years after injury
• Cognitive Impairment: Memory problems, difficulty concentrating, slowed processing

Spinal Cord Injury

Injury Levels and Impact:

Cervical Spine (C1-C8, Neck Region):

• C1-C4 (High Cervical): Quadriplegia (all four limbs paralyzed), possible ventilator dependence, 24/7 care required
• C5-C8 (Low Cervical): Quadriplegia with some arm/hand function, wheelchair dependent

Thoracic Spine (T1-T12, Mid-Back):

• Paraplegia: Lower body paralysis, wheelchair dependent
• Trunk control varies by level

Lumbar Spine (L1-L5, Lower Back):

• Varying degrees of leg weakness/paralysis
• Bowel/bladder dysfunction common
• May walk with assistive devices

ASIA Impairment Scale:

Grade	Classification	Prognosis
A	Complete	No motor or sensory function below injury – worst
B	Sensory Incomplete	Sensory function but no motor function
C	Motor Incomplete	Motor function but most muscles <3/5 strength
D	Motor Incomplete	Motor function with most muscles ≥3/5 strength
E	Normal	Full motor and sensory function (recovered)

Secondary Complications:

• Pressure sores (leading cause of hospitalization)
• Respiratory complications (pneumonia – leading cause of death)
• Bowel and bladder dysfunction
• Sexual dysfunction
• Autonomic dysreflexia (life-threatening blood pressure crisis)
• Depression (40-60% of patients)
• Shortened life expectancy (5-15 years on average)

Amputation

Types:

• Traumatic Amputation: Limb severed at accident scene by collision impact
• Surgical Amputation: Due to crush injuries or infections (like Attorney911’s documented case)

Levels:

• Above-Knee: More difficult, less mobility, more expensive prosthetics
• Below-Knee: Better mobility potential, easier prosthetic use
• Upper Extremity: Arm, hand, fingers
• Multiple Limbs: Exponentially more challenging

Phantom Limb Pain:

• 80% of amputees experience phantom pain
• Feeling pain in limb that’s no longer there
• Can be severe and debilitating
• Often permanent condition
• Requires lifetime pain management

Attorney911 Case Result:

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

Burn Injuries

Classifications:

Degree	Characteristics	Treatment
First-Degree	Superficial, like sunburn, heals 7-10 days	Outpatient
Second-Degree	Blistering, severe pain, may scar	Monitor, possible hospital
Third-Degree	Full thickness, destroys all skin, always scars	Skin grafting required
Fourth-Degree	Extends into muscle and bone	Often requires amputation

Body Surface Area Impact:

% Body Burned	Treatment Required
<10%	Usually outpatient
10-20%	Hospitalization required
20-40%	Burn center, ICU, multiple surgeries
>40%	Extremely life-threatening
>60%	Often fatal

Herniated Disc

Treatment Timeline:

1. Acute Phase (Weeks 1-6): Severe pain, medications, rest. Cost: $2,000-$5,000
2. Conservative Treatment (Weeks 6-12): Physical therapy, chiropractic. Cost: $5,000-$12,000
3. Interventional (If Conservative Fails): Epidural steroid injections. Cost: $3,000-$6,000
4. Surgery (If Injections Fail): Microdiscectomy or fusion. Cost: $50,000-$120,000

Permanent Restrictions Impact:

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

Soft Tissue Injuries

Why Insurance Undervalues Soft Tissue:

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

Why Soft Tissue Can Be SERIOUS:

• 15-20% develop chronic pain
• Can prevent return to physical jobs
• Whiplash can cause permanent problems
• Often misdiagnosed initially (rotator cuff tears thought to be sprains)

Proper Documentation CRITICAL:

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

Psychological Injuries

PTSD After Motor Vehicle Accidents:

• 32-45% of accident victims develop PTSD symptoms
• Anxiety about driving again
• Fear of getting in cars
• Panic attacks near accident location
• Sleep disturbances, nightmares, flashbacks
• Avoidance behaviors

Compensable Psychological Damages:

• Mental anguish
• Emotional distress
• Anxiety and depression
• Loss of enjoyment of life
• Fear and worry
• Relationship impacts

Why Choose Attorney911 for Your Charlotte, Texas Accident Case

1. Insurance Defense Insider Advantage

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

This insider knowledge is what sets Attorney911 apart from every other law firm in Texas. While other firms guess how insurance companies operate, we know their playbook because Lupe used it for years. He understands:

• How adjusters calculate claim values using Colossus software
• Which medical codes trigger higher settlements (and which minimize your claim)
• The tactics used to delay, deny, and lowball claims
• How to counter their comparative fault arguments
• The real settlement authority limits that adjusters hide

Lupe’s experience allows us to anticipate and defeat insurance company tactics before they’re even deployed. As he explains:

“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. Multi-Million Dollar Results for Texas Accident Victims

Our track record of success speaks for itself:

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

“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”

“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”

“In a recent case, our client injured his back while lifting cargo on a ship. Our investigation revealed that he should have been assisted in this duty, and we were able to reach a significant cash settlement”

These results demonstrate our ability to handle even the most complex cases. Whether you’ve suffered a catastrophic injury in a truck accident on US 281 or a serious accident on a rural Atascosa County road, we have the experience to fight for maximum compensation.

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. This federal court admission is crucial for:

• Trucking accidents involving interstate commerce
• Cases against major corporations
• Complex product liability claims
• Cases with multiple defendants across state lines

Our firm was also one of the few selected to participate in the BP Texas City explosion litigation – a complex case involving multiple defendants and catastrophic injuries. This experience demonstrates our capability to handle high-stakes litigation against billion-dollar corporations.

4. Personal Attention from Start to Finish

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.”

We understand that after an accident in Charlotte, you need more than just legal representation – you need someone who will listen, explain your options, and fight for your best interests. Our clients consistently praise our communication:

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

“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.” – Stephanie Hernandez

“Consistent communication and not one time did I call and not get a clear answer…Ralph reached out personally.” – Dame Haskett

5. Contingency Fee – No Risk to You

We believe that every accident victim in Charlotte deserves access to quality legal representation, regardless of their financial situation. That’s why we work on a contingency fee basis:

• Free consultation to evaluate your case
• No upfront costs or retainers
• We advance all case expenses
• You pay nothing unless we win your case
• Our fee is a percentage of your recovery

This means you can focus on your recovery while we handle the legal battle. As client Ambur Hamilton said:

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

6. We’re Part of the Charlotte Community

While our main office is in Houston, we’re committed to serving the Charlotte community. We understand the unique challenges faced by accident victims in Atascosa County, including:

• Limited access to specialized medical care (requiring travel to San Antonio)
• Rural road hazards and agricultural traffic
• Oil field service vehicles on local roads
• Limited public transportation options
• The importance of local employers and small businesses

We’re not just Texas attorneys – we’re your neighbors who understand the specific needs of Charlotte residents.

7. Bilingual Services Available

With Lupe Peña’s fluency in Spanish and our bilingual staff, we can serve Spanish-speaking clients in Charlotte without language barriers. As client Celia Dominguez shared:

“Especially Miss Zulema, who is always very kind and always translates.”

Whether you’re more comfortable in English or Spanish, we communicate clearly and compassionately throughout your case.

8. We Answer When You Call

Our legal emergency line, 1-888-ATTY-911, is answered by real people who can help. As client S M noted:

“Attorney Manginello is so knowledgeable but straight to the point…responded quickly even while he was away.”

When you call, you get us – not an answering service or call center in another state.

Frequently Asked Questions About Motor Vehicle Accidents in Charlotte, Texas

Immediate After Accident

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

If you’ve been in an accident in Charlotte or Atascosa County:

• Call 911 and report the accident to local law enforcement
• Seek medical attention immediately, even if you feel fine (adrenaline masks injuries)
• Document everything with photos of vehicle damage, injuries, and the scene
• Exchange information with the other driver (name, phone, insurance, license plate)
• Get witness names and contact information
• Do NOT give a recorded statement to any insurance company
• Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance

2. Should I call the police even for a minor accident?

Yes. Always call the police after any accident in Texas. The police report is critical evidence for your claim. In Texas, you must report accidents with:

• Injuries
• Deaths
• 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 at Atascosa Regional Hospital or with your doctor.

4. What information should I collect at the scene?

Collect as much information as possible:

• Other driver: name, phone, address, driver’s license number, insurance information
• Vehicle: make, model, color, license plate number
• Witnesses: names and phone numbers
• Photos: all vehicle damage (every angle), 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 (name, insurance, contact details)
• Do NOT discuss fault or how the accident happened
• Do NOT apologize or say “I’m sorry” (can be used as admission of fault)
• Do NOT give your opinion on what happened
• Stick to facts only

6. How do I obtain a copy of the accident report?

In Charlotte, you can obtain the police report from:

• The responding law enforcement agency (Charlotte Police Department or Atascosa County Sheriff)
• The Texas Department of Transportation’s Crash Records Information System (CRIS)
• Your attorney will obtain the report as part of your case

Dealing with Insurance

7. Should I give a recorded statement to insurance?

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

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

Say: “I need to speak with my attorney first.” Give only basic information:

• Your name
• Date of the accident
• That you were involved in an accident
  Do NOT give a recorded statement
  Do NOT discuss your injuries
  Do NOT accept any settlement offers

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

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

10. Should I accept a quick settlement offer?

NEVER accept a settlement before knowing the full extent of your injuries. Once you sign a release, you cannot get more money even if you need surgery later. Early offers are ALWAYS lowball offers designed to save the insurance company money.

11. What if the other driver is uninsured/underinsured?

Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you when:

• The other driver has no insurance
• The other driver has insufficient insurance
• The other driver flees the scene (hit and run)

Texas allows inter-policy stacking (combining multiple UM policies for greater coverage). Watch our video on UM/UIM claims: https://www.youtube.com/watch?v=kWcNFyb-Yq8

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

They want unlimited access to your ENTIRE medical history to:

• Find pre-existing conditions to blame
• Dig through decades of records
• Find any prior injuries to use against you

Never sign a medical authorization without having Attorney911 review it first.

Legal Process

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. The sooner you call Attorney911 at 1-888-ATTY-911, the better we can protect your rights.

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 claims. 2 years from the date of death for wrongful death claims. If you miss this deadline, your case is BARRED forever – you cannot extend or waive it.

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 damages (reduced by your % of fault)
• If you’re 51% or more at fault → You recover NOTHING

Insurance companies often try to assign you maximum fault to reduce their payment. Lupe’s insurance defense experience helps us counter these arguments.

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. For example:

• If you’re 20% at fault on a $100,000 case, you recover $80,000
• If you’re 40% at fault on a $250,000 case, you recover $150,000

18. Will my case go to trial?

Most cases settle before trial. But Attorney911 prepares every case AS IF it’s going to trial. This preparation gives us leverage in negotiations. Insurance companies know we’re not bluffing.

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

19. How long will my case take to settle?

It depends on the severity of your injuries. We don’t settle until you’ve reached Maximum Medical Improvement (MMI) – the point where you’ve recovered as much as you’re going to. This could be:

• 6 months for minor injuries
• 12-18 months for serious injuries
• 24+ months for catastrophic 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 company
4. Negotiation with insurance
5. Lawsuit filed if necessary
6. Discovery process (exchange of information)
7. Mediation (attempt to settle)
8. Trial if needed

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

Compensation

21. What is my case worth?

The value depends on many factors:

• Severity of your injuries
• Cost of medical treatment (past and future)
• Lost wages and earning capacity
• Permanent impairment or disability
• Pain and suffering
• Property damage
• Insurance policy limits

Cases range from $15,000 for minor injuries to millions for catastrophic injuries.

22. What types of damages can I recover?

You can recover:

• Economic Damages: Medical expenses, lost wages, property damage, out-of-pocket expenses
• Non-Economic Damages: Pain and suffering, mental anguish, physical impairment, disfigurement, loss of enjoyment of life
• Punitive Damages: In cases of gross negligence (like drunk driving)

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 damages (except in medical malpractice cases).

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 – defendants take victims as they find them. We hire medical experts to prove the difference between your condition before and after the accident.

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 for your specific situation.

26. How is the value of my claim determined?

Based on:

• Your medical bills (past and future)
• Future treatment costs
• Lost income and earning capacity
• Permanent impairment rating
• Impact on your daily life
• Comparable verdicts and settlements
• Severity of injuries
• Clear liability

Attorney Relationship

27. How much do car accident lawyers cost?

Attorney911 works on a contingency fee basis:

• 33.33% of your recovery before trial
• 40% if the case goes to trial
• You pay nothing upfront
• We advance all case costs
• You pay nothing unless we win

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

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

It means:

• You pay zero unless we recover money for you
• If we don’t win, you owe us nothing
• We advance all case expenses (filing fees, expert witnesses, etc.)
• You may still be responsible for court costs and case expenses regardless of outcome
• Free consultation available to discuss fee structure

29. How often will I get updates?

Attorney911 provides regular updates throughout your case. As client Dame Haskett said:

“Consistent communication and not one time did I call and not get a clear answer.”

We understand that communication is key to your peace of mind during this difficult time.

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.”

You’ll have direct access to your attorneys throughout your case.

31. What if I already hired another attorney?

You can switch attorneys at any time. Attorney911 has taken over many cases from other firms. As client Greg Garcia 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 your case.

Mistakes to Avoid

32. What common mistakes can hurt my case?

Avoid these common mistakes:

• Giving a recorded statement without an attorney
• Accepting a quick settlement offer
• Delaying medical treatment
• Gaps in medical treatment
• Posting about your accident on social media
• Signing releases or authorizations without lawyer review
• Not documenting everything
• Talking to the other driver’s insurance without representation

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

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

NO. Make all your social media profiles private immediately. Do NOT:

• Post about your accident
• Post photos of your injuries or activities
• Check in at locations
• Accept friend requests from strangers

Insurance companies monitor social media to find evidence to use against you.

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

Releases are PERMANENT. Medical authorizations give unlimited access to your records. Settlement offers are binding. Once you sign, you can’t undo it. Always have Attorney911 review any documents before you sign.

35. What if I didn’t see a doctor right away?

See a doctor NOW and explain that you didn’t realize the severity of your injuries. Delayed symptoms are common in many injuries. We can still help, but the sooner you get treatment, the better.

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

You can still recover compensation. If the accident aggravated your pre-existing condition, you’re entitled to compensation for the aggravation. The “eggshell plaintiff” rule means defendants take victims as they find them. 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 current attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle for less than your case is worth, you have the right to switch. Attorney911 has taken over many cases from other attorneys. Call 1-888-ATTY-911 to discuss switching your case.

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 to maximize your recovery. Texas allows inter-policy stacking (combining multiple UM policies for greater coverage). 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 daily life
• Clear liability

For example: $100,000 medical × 4 multiplier = $400,000 pain & suffering. Lupe calculated these for years – he knows how 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, and 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 when the at-fault driver is unidentified. Surveillance footage is CRITICAL – most footage is deleted within 7-30 days. We send preservation letters immediately to nearby businesses. 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. Your 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 try to argue that 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. There are 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. The 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.

Charlotte, Texas Location Intelligence

Serving Charlotte and Atascosa County

While our main office is located in Houston, Attorney911 serves accident victims throughout Texas, including Charlotte and all of Atascosa County. We understand the unique challenges faced by residents of this rural community:

• Limited access to specialized medical care (requiring travel to San Antonio)
• Rural road hazards and agricultural traffic
• Oil field service vehicles on local roads
• Limited public transportation options
• The importance of local employers and small businesses

Charlotte-Specific Considerations

Local Courts:

• Atascosa County Courthouse in Jourdanton handles civil cases
• Charlotte Municipal Court handles local ordinance violations
• Cases may be filed in either state or federal court depending on circumstances

Local Hospitals:

• Atascosa Regional Hospital in Jourdanton
• For specialized care, patients often travel to:
  • Methodist Hospital in San Antonio
  • University Hospital in San Antonio
  • Christus Santa Rosa Hospital in San Antonio

Dangerous Roads in the Area:

• US Highway 281 – high-speed corridor with truck traffic
• FM 140 – rural road with limited visibility
• Local roads with agricultural equipment
• Intersections in downtown Charlotte

Local Industries:

• Oil and gas (service vehicles on roads)
• Agriculture (tractors, harvest equipment)
• Ranching
• Small businesses

Why Local Knowledge Matters

When you hire Attorney911 for your Charlotte accident case, you get:

• Understanding of Atascosa County courts and procedures
• Knowledge of local judges and their tendencies
• Familiarity with local insurance adjusters
• Experience with Charlotte-area accident patterns
• Commitment to serving rural communities

We’re not just Texas attorneys – we’re your neighbors who understand the specific needs of Charlotte residents.

Geographic Expansion

Attorney911 serves all of Atascosa County and surrounding areas, including:

• Charlotte
• Pleasanton
• Jourdanton (county seat)
• Poteet
• Christine
• Campbellton
• Leming
• Amphion
• McCoy

We also serve residents who travel to San Antonio for work or medical care and are injured on US 281 or other area roads.

Call Attorney911 Now – Your Legal Emergency Line

If you’ve been injured in a motor vehicle accident in Charlotte, Texas, don’t wait. Evidence disappears daily, and insurance companies are already building their case against you.

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

We offer:

• Free case evaluation
• No upfront costs
• Contingency fee – you pay nothing unless we win
• Personal attention from Ralph Manginello and Lupe Peña
• Insurance defense insider advantage
• Multi-million dollar results
• Bilingual services available
• 24/7 availability

Don’t let insurance companies take advantage of you. Call Attorney911 today.

“Every day you wait, evidence disappears. Surveillance footage from nearby businesses is typically deleted within 7-30 days. We immediately send preservation letters to secure this critical evidence.”

Your recovery starts with one call: 1-888-ATTY-911

The Manginello Law Firm, PLLC | Attorney911
Principal Office: Houston, Texas
Serving Charlotte, Atascosa County, and all of Texas
1-888-ATTY-911 (1-888-288-9911)
https://attorney911.com

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