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City of Gorman Attorney911 Car Accident and 18-Wheeler Trial Lawyers: Ralph Manginello’s 27+ Years Firepower and Former Insurance Defense Attorney Lupe Peña Piercing $1M Uber/Lyft Limits and $750,000 Federal Trucking Minimums for Catastrophic 80,000-Pound Rig, Amazon Delivery, and Halliburton Oilfield Truck Crashes using Samsara ELD Data to Recover $50M+ for TBI ($5M+) and Amputation ($3.8M+) Victims with 24/7 Free Consultations and No Fee Unless We Win 1-888-ATTY-911

May 8, 2026 26 min read
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Gorman, TX Motor Vehicle Accident Legal Guide: Your Path to Recovery

If you have been involved in a motor vehicle accident in Gorman, Texas, or anywhere in Eastland County, the moments following the crash are often a blur of adrenaline, confusion, and rising physical pain. Whether you were struck by a negligent driver while turning onto SH 16 near the city center or were forced off the road on SH 8 by a passing vehicle, the legal and financial aftermath can be just as overwhelming as the collision itself. At Attorney 911 / The Manginello Law Firm, we understand that for a Gorman resident, a “fender bender” is rarely just about a dented bumper. It is about how you will get to work tomorrow, how you will pay for the sudden surge in medical bills, and how you will protect your family’s future when an insurance adjuster is already calling you with a lowball offer.

Our firm is led by managing partner Ralph Manginello, who has spent over 27 years fighting for injured Texans in both state and federal courts. Since 1998, Ralph has gone head-to-head with some of the largest corporations and insurance carriers in the world, bringing a level of trial experience that few firms can match. Admitted to the U.S. District Court for the Southern District of Texas, Ralph has litigated high-stakes cases ranging from the BP Texas City refinery explosion to catastrophic commercial trucking crashes. When you call us at 1-888-ATTY-911, you aren’t getting a marketing mill; you are getting a team that has recovered multi-million dollar settlements for our clients, including traumatic brain injury results in the $1.5M to $9.8M range and wrongful death recoveries from $1.9M to $9.5M.

We bring a unique advantage to every Gorman accident case. Our team includes Lupe Peña, an attorney who previously worked on the other side as an insurance defense lawyer. Lupe knows the internal protocols carriers use to minimize your claim—he has sat in the rooms where those decisions are made. Now, he uses that insider knowledge to deconstruct their playbook for you. We also provide native-fluent Spanish representation; when you speak with Lupe, you are speaking directly to your attorney, not an interpreter. Hablamos Español. Your consultation is free, and we work on a contingency fee basis, meaning you pay us nothing—zero upfront costs—unless we win your case.

The Reality of Accidents in Gorman and Eastland County

Gorman may be a close-knit community, but the traffic patterns involving SH 16 and SH 8, along with its proximity to the heavy commercial traffic on I-20 to the north, create significant risks for local drivers. Residents of Gorman often find themselves sharing the road with large agricultural vehicles, oilfield service trucks, and commuters heading toward Eastland or Abilene. According to data from the Texas Department of Transportation (TxDOT) District 23, rural highway intersections and high-speed two-lane roads are among the most frequent sites for severe collisions.

When a major injury occurs in Gorman, local emergency medical services often route patients to regional trauma centers. While Eastland Memorial Hospital provides vital local care, more catastrophic injuries—such as spinal cord trauma or severe TBI—may require transport to Hendrick Medical Center in Abilene or even centers in the Dallas-Fort Worth Metroplex. Understanding this medical landscape is part of our commitment to our clients; we coordinate with your treating physicians at every level to ensure the full extent of your injuries is documented for the record.

If you are a member of the Gorman community, you likely value hard work and honest dealing. Unfortunately, the insurance industry often does not share those values. They see a claimant in a smaller Texas city and assume they can settle the case quickly for a fraction of its true value. As our client Chad Harris said: “You are NOT a pest to them and you are NOT just some client that’s caught in the middle of many other cases. You are FAMILY to them and they protect and fight for you as such.”

The Spectrum of Gorman Collisions: From Taps to Catastrophe

Every accident has a unique physical and legal profile. In Gorman, we handle the full spectrum of motor vehicle accidents, ensuring that the specific statutes of the Texas Transportation Code are applied to prove liability in your case.

Rear-End Collisions and the Assured Clear Distance Rule

Rear-end accidents are the most common entry point into the legal system. Whether you were hit while stopped at a light on SH 16 or during a sudden backup on a rural road, Texas law is clear under Tex. Transp. Code § 545.062 (https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.062). This statute requires every driver to maintain an “assured clear distance” ahead. When a driver hits you from behind, the law creates a presumption of negligence under the long-standing Texas doctrine established in Wright v. McAdams Lumber Co.

However, insurance carriers frequently attempt to rebut this by claiming a “sudden emergency” or suggesting the lead driver stopped without reason. We use Event Data Recorder (EDR) “black box” downloads to prove the defendant’s speed and braking patterns, locking in the liability that the law demands.

Intersection Collisions and Failure to Yield

Intersections like those along SH 8 are hotbeds for T-bone and failure-to-yield crashes. Under Tex. Transp. Code § 545.151 (https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.151), right-of-way rules are strict. Whether it was a red-light run or a failure to yield at a stop sign, we investigate the signal phases and witness statements to establish exactly who had the legal right to proceed. In Gorman’s residential areas, stop sign violations are often caused by distracted drivers who believe the roads are quiet enough to check a text—a violation of Tex. Transp. Code § 545.4251 (https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.4251).

Commercial and Oilfield Vehicle Accidents

Because Gorman is situated within reach of the Permian Basin and major logistics corridors, 18-wheelers and commercial vans are a constant presence. A collision with an 80,000-pound truck isn’t just a bigger accident; it’s a different legal world governed by the Federal Motor Carrier Safety Administration (FMCSA) and 49 CFR § 390 et seq.

Trucking companies like FedEx, J.B. Hunt, or local oilfield service providers have rapid-response teams on the scene within hours. They are there to “clean up” the evidence. We counter this by sending immediate preservation-of-evidence letters to secure Electronic Logging Device (ELD) data before it auto-purges after 6 months under 49 CFR § 395.8(k). We look for Hours of Service (HOS) violations, negligent hiring, and equipment maintenance failures that turn a negligence case into a gross negligence claim.

Your Body in the Seconds After Impact: The Biomechanics of Injury

The physics of a crash are brutal and unforgiving. When two vehicles collide in Gorman, the kinetic energy (KE = ½mv²) must go somewhere. Usually, it is absorbed by your body.

Whiplash and Cervical Strain

Even at impacts as low as 15 mph, the “S-curve” mechanism of whiplash occurs in less than 300 milliseconds. Your torso is accelerated forward by the car seat while your head lags behind, causing the C5-C6 vertebrae to hyperextend. This often results in annular tears or herniated discs that may not show up for days or weeks. Insurance carriers love to call this “minor impact,” but with our former insurance defense perspective, we know that MIST (Minor Impact Soft Tissue) protocols are designed simply to save the carrier money, not to reflect the reality of your pain.

Traumatic Brain Injury (TBI) and Concussions

A concussion is a functional brain injury, and you do not have to lose consciousness to have one. Angular acceleration can cause “coup-contrecoup” injuries, where the brain shears against the inside of the skull. This can lead to persistent post-concussive syndrome, affecting your memory, mood, and ability to work. We have helped families navigate these catastrophic changes, recovering multi-million dollar results for those living with permanent TBI.

The “Eggshell Plaintiff” Doctrine

Many drivers in Gorman are older or have pre-existing back issues. The insurance company will try to use your prior health against you, claiming your pain is just “old age.” Under the Texas doctrine of Coates v. Whittington, we apply the “Eggshell Plaintiff” rule: a negligent driver is responsible for the full extent of the harm they cause, even if you were more vulnerable than a younger or healthier person. We take our clients as we find them and fight for the recovery they deserve.

Navigating the Texas Substantive Law Framework

To win a case in Gorman, you must understand how Texas statutes stack to provide multiple pathways for compensation.

Modified Comparative Fault (§ 33.001)

Texas follows a modified comparative fault rule with a 51% bar under Tex. Civ. Prac. & Rem. Code § 33.001 (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.33.htm#33.001). If you are 50% or less at fault, you still recover damages, but they are reduced by your percentage of fault. If you are 51% or more at fault, you recover zero. Insurance adjusters always try to push some of the blame onto you to save themselves a few percentage points of the payout. We fight to keep the fault where it belongs: on the driver who hit you.

The Paid-or-Incurred Rule (The Haygood Trap)

Under Tex. Civ. Prac. & Rem. Code § 41.0105 (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.41.htm#41.0105) and the Supreme Court ruling in Haygood v. de Escabedo, you can only recover the amount your medical providers “actually paid or incurred.” This means if a hospital bills $80,000 but your insurance pays $20,000 and the rest is written off, you can only claim $20,000 as medical damages at trial. This “Haygood Trap” is used by adjusters to shrink the value of your case. We know how to manage medical billing and provider relationships to ensure your claim reflects the true human cost of your injury.

Wrongful Death and Survival Actions

If a loved one was killed in a crash near Gorman, we pursue justice under Tex. Civ. Prac. & Rem. Code § 71.001 et seq. (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.71.htm#71.002). Statutory beneficiaries (spouse, parents, children) can recover for their own loss of companionship and mental anguish. A “survival action” under § 71.021 (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.71.htm#71.021) also allows the estate to recover for the pain and suffering the decedent experienced before passing.

Why the Insurance Company is Not Your Friend

Despite the friendly commercials, insurance companies are in the business of denying, delaying, and defending. They use sophisticated software to triage claims based on the ZIP code, the vehicle damage, and whether the claimant has an attorney.

The Stowers Doctrine: Forcing the Settlement

The most powerful tool in our belt is the Stowers demand. Based on the 1929 case G.A. Stowers Furniture Co. v. American Indemnity Co., an insurer must accept a reasonable settlement offer within policy limits when liability is reasonably clear. If they refuse our demand and a jury later awards a verdict above the policy limits, the insurance company may be held responsible for the entire amount—not just the limit on the paper. This creates the pressure we need to get you a fair settlement without waiting years for a trial.

Bad Faith and Prompt Pay

Texas protects its residents with the Prompt Payment of Claims Act under Tex. Ins. Code Ch. 542 (https://statutes.capitol.texas.gov/Docs/IN/htm/IN.542.htm#542.060). If your own insurance company (for PIP or Uninsured Motorist claims) fails to follow statutory deadlines, they may owe 18% per-annum interest plus your attorney fees under § 542.060. We don’t just ask them to pay; we hold them to the clock.

What is Your Gorman Accident Case Worth?

This is the question every person in Eastland County asks. The “money math” of a case isn’t just about bills; it’s about reconstructing your life. We look for every possible source of recovery:

  • Past and Future Medical Expenses: Calculated under the paid-or-incurred framework.
  • Lost Wages and Loss of Earning Capacity: Especially critical for Gorman’s working-class and trade professionals.
  • Pain and Suffering: The subjective cost of your daily struggle.
  • Physical Impairment and Disfigurement: Compensation for what the crash took away from your physical self.
  • Punitive Damages: Available in cases of “Gross Negligence” under Tex. Civ. Prac. & Rem. Code § 41.001, such as DWI or excessive commercial vehicle HOS violations.

Past results do not guarantee future outcomes, but our history of recoveries speaks to our dedication. Whether it is a soft-tissue case or a multi-million-dollar TBI recovery, Ralph Manginello and Lupe Peña treat every client as part of the legal family. As Ernest Cano put it: “Mr. Manginello and his firm are first class. Will fight tooth and nail for you.”

Gorman, TX Motor Vehicle Accident FAQ

1. How long do I have to file a claim in Texas?
Under Tex. Civ. Prac. & Rem. Code § 16.003, you generally have two years from the day of the crash. However, if you are suing a governmental entity (like the city or a school district), you may need to provide notice in as little as 6 months or even 90 days depending on the city charter.

2. Should I give a recorded statement to the other driver’s insurance?
No. You have no legal obligation to give a statement to the at-fault driver’s carrier. Anything you say will be used to build a “comparative fault” argument against you. Call us first.

3. What is PIP, and do I need it?
Personal Injury Protection (PIP) pays your medical bills and lost wages regardless of who is at fault. It is mandatory in Texas unless you rejected it in writing. It is the fastest way to get initial relief after a Gorman accident.

4. How does the 18% prompt-pay interest actually work?
Under Tex. Ins. Code § 542.060, if an insurer is liable for a first-party claim (like your own PIP or UIM) and misses a deadline, they owe the claim amount plus 18% annual interest. Example: A $10,000 claim delayed by a year would result in $10,000 + $1,800 interest + attorney fees.

5. What is the “Brainard Rule” for underinsured motorists?
Brainard v. Trinity Universal Ins. Co. (Tex. 2006) established that a UIM claim doesn’t accrue until you establish the underlying driver was at fault and their insurance was inadequate. This often requires a separate legal step that we manage for you.

6. Can I still recover if I wasn’t wearing a seatbelt?
Yes. In Texas, the fact that you weren’t wearing a seatbelt may go to “comparative fault” and could reduce your recovery, but it does not bar you from seeking damages for the other driver’s negligence.

7. What if I was hit by a truck driver who was using their phone?
Commercial drivers are strictly prohibited from using handheld devices under 49 CFR § 392.82. This violation is often a predicate for a gross negligence claim, which can increase the value of your case significantly.

8. What happens if the driver who hit me doesn’t have insurance?
We look to your Uninsured Motorist (UM) coverage. If you have it, your own carrier steps into the shoes of the at-fault driver. If they refuse to pay fairly, Ch. 542 and Ch. 541 bad-faith laws apply.

9. Are my medical records private from the insurance company?
Only to a point. Once you file a claim, they have a right to see records “relevant” to the injury. We act as the gatekeeper, preventing them from digging through unrelated medical history to embarrass or devalue you.

10. How much does it cost to hire Attorney 911 / The Manginello Law Firm?
Nothing upfront. We work on a contingency fee (33.3% pre-trial / 40% if trial is necessary). We advance all investigation costs, including hiring accident reconstructionists and medical experts. If we don’t recover money for you, you owe us nothing.

Schedule Your Free Consultation with our Gorman Accident Team

Don’t wait until the insurance company has finished building their defense. Evidence on Gorman roads can disappear in days—skid marks fade, weather changes the scene, and surveillance videos are overwritten. When you call 1-888-ATTY-911, you are taking the first step to level the playing field.

Whether you were hit by an Amazon delivery van, a distracted teenager, or an 18-wheeler, Ralph Manginello and Lupe Peña are ready to put their 27+ years of experience and insurance-defense insider knowledge to work for you. We serving Eastland County and all of Texas with a single mission: to get you every dime you deserve.

Call us 24/7 at 1-888-ATTY-911 or (713) 528-9070. Your consultation is free. Hablamos Español. No fee unless we win.

—SPANISH VERSION FOLLOWS—

Guía Legal de Accidentes Vehiculares en Gorman, TX: Su Camino a la Recuperación

Si usted ha estado involucrado en un accidente de vehículo de motor en Gorman, Texas, o en cualquier lugar del Condado de Eastland, los momentos que siguen al choque son a menudo un torbellino de adrenalina, confusión y un dolor físico creciente. Ya sea que haya sido golpeado por un conductor negligente al girar en la SH 16 cerca del centro de la ciudad o que haya sido obligado a salirse de la carretera en la SH 8 por un vehículo que pasaba, las secuelas legales y financieras pueden ser tan abrumadoras como la colisión misma. En Attorney 911 / The Manginello Law Firm, entendemos que para un residente de Gorman, un “choque menor” (fender bender) rara vez se trata solo de un parachoques abollado. Se trata de cómo llegará al trabajo mañana, cómo pagará el aumento repentino de las facturas médicas y cómo protegerá el futuro de su familia cuando un ajustador de seguros ya lo esté llamando con una oferta baja.

Nuestra firma está dirigida por el socio gerente Ralph Manginello, quien ha pasado más de 27 años luchando por los tejanos heridos tanto en tribunales estatales como federales. Desde 1998, Ralph se ha enfrentado cara a cara con algunas de las corporaciones y compañías de seguros más grandes del mundo, aportando un nivel de experiencia en juicios que pocas firmas pueden igualar. Admitido en el Tribunal de Distrito de los EE. UU. para el Distrito Sur de Texas, Ralph ha litigado casos de alto riesgo que van desde la explosión de la refinería BP Texas City hasta choques catastróficos de camiones comerciales. Cuando nos llama al 1-888-ATTY-911, no está llamando a una fábrica de mercadotecnia; está obteniendo un equipo que ha recuperado acuerdos millonarios para nuestros clientes, incluidos resultados de lesiones cerebrales traumáticas en el rango de $1.5M a $9.8M y recuperaciones por muerte injusta de $1.9M a $9.5M.

Aportamos una ventaja única a cada caso de accidente en Gorman. Nuestro equipo incluye a Lupe Peña, un abogado que trabajó anteriormente en el otro lado como abogado de defensa de seguros. Lupe conoce los protocolos internos que usan las aseguradoras para minimizar su reclamo; él ha estado en las salas donde se toman esas decisiones. Ahora, él usa ese conocimiento interno para desarmar el libro de jugadas de ellos para usted. También brindamos representación nativa fluida en español; cuando habla con Lupe, está hablando directamente con su abogado, sin intérpretes. Hablamos Español. Su consulta es gratuita y trabajamos con una base de honorarios de contingencia, lo que significa que no nos paga nada —cero costos iniciales— a menos que ganemos su caso.

La Realidad de los Accidentes en Gorman y el Condado de Eastland

Gorman puede ser una comunidad muy unida, pero los patrones de tráfico que involucran la SH 16 y la SH 8, junto con su proximidad al tráfico comercial pesado en la I-20 al norte, crean riesgos significativos para los conductores locales. Los residentes de Gorman a menudo se encuentran compartiendo la carretera con grandes vehículos agrícolas, camiones de servicio de campos petroleros y trabajadores que se dirigen hacia Eastland o Abilene. Según los datos del Distrito 23 del Departamento de Transporte de Texas (TxDOT), las intersecciones de carreteras rurales y las carreteras de dos carriles de alta velocidad se encuentran entre los sitios más frecuentes de colisiones graves.

Cuando ocurre una lesión importante en Gorman, los servicios médicos de emergencia locales a menudo envían a los pacientes a centros regionales de trauma. Si bien el Hospital Eastland Memorial brinda atención local vital, las lesiones más catastróficas —como traumatismo de la médula espinal o lesión cerebral traumática grave— pueden requerir el traslado al Centro Médico Hendrick en Abilene o incluso a centros en el área metropolitana de Dallas-Fort Worth. Comprender este panorama médico es parte de nuestro compromiso con nuestros clientes; nos coordinamos con sus médicos tratantes en todos los niveles para garantizar que el alcance total de sus lesiones se documente para el registro legal.

Si usted es un miembro de la comunidad de Gorman, probablemente valore el trabajo duro y el trato honesto. Desafortunadamente, la industria de seguros a menudo no comparte esos valores. Ven a un reclamante en una ciudad tejana más pequeña y asumen que pueden resolver el caso rápidamente por una fracción de su valor real. Como dijo nuestro cliente Chad Harris: “Usted NO es una molestia para ellos y NO es solo un cliente más atrapado en medio de muchos otros casos. Usted es FAMILIA para ellos y ellos lo protegen y luchan por usted como tal.”

El Espectro de las Colisiones en Gorman: Desde “Toques” hasta Catástrofes

Cada accidente tiene un perfil físico y legal único. En Gorman, manejamos el espectro completo de accidentes de vehículos de motor, asegurando que los estatutos específicos del Código de Transporte de Texas se apliquen para probar la responsabilidad en su caso.

Colisiones por Detrás y la Regla de la Distancia Claramente Asegurada

Los accidentes por detrás son el punto de entrada más común al sistema legal. Ya sea que lo golpearan mientras estaba detenido en un semáforo en la SH 16 o durante un estancamiento repentino en una carretera rural, la ley de Texas es clara bajo el Tex. Transp. Code § 545.062 (que establece el deber de mantener una distancia de seguridad razonable para detenerse sin chocar con el vehículo que precede) (https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.062). Cuando un conductor lo golpea por detrás, la ley crea una presunción de negligencia bajo la doctrina de larga data de Texas establecida en Wright v. McAdams Lumber Co.

Sin embargo, los aseguradores frecuentemente intentan refutar esto alegando una “emergencia repentina” o sugiriendo que el conductor delantero se detuvo sin razón. Usamos descargas de datos del Registrador de Datos de Eventos (EDR) o “caja negra” para probar la velocidad y los patrones de frenado del demandado, asegurando la responsabilidad que exige la ley.

Colisiones en Intersecciones y Falta de Ceder el Paso

Las intersecciones como las que se encuentran a lo largo de la SH 8 son focos de choques laterales (T-bone) y fallas al ceder el paso. Bajo el Tex. Transp. Code § 545.151 (que gobierna el derecho de paso en las intersecciones) (https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.151), las reglas de derecho de paso son estrictas. Ya sea que se trate de pasarse un semáforo en rojo o de no ceder el paso en una señal de alto, investigamos las fases de las señales y las declaraciones de los testigos para establecer exactamente quién tenía el derecho legal de proceder. En las áreas residenciales de Gorman, las violaciones de las señales de alto a menudo son causadas por conductores distraídos que creen que las carreteras están lo suficientemente tranquilas como para revisar un texto —una violación de Tex. Transp. Code § 545.4251 (que prohíbe el uso de dispositivos de comunicación para mensajes electrónicos mientras se conduce) (https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.4251).

Navegando el Marco de la Ley Sustantiva de Texas

Para ganar un caso en Gorman, debe comprender cómo se apilan los estatutos de Texas para brindar múltiples vías de compensación.

Culpa Comparativa Modificada (§ 33.001)

Texas sigue una regla de culpa comparativa modificada con una barrera del 51% bajo el Tex. Civ. Prac. & Rem. Code § 33.001 (que prohíbe la recuperación si la responsabilidad de la persona lesionada excede el 50%) (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.33.htm#33.001). Si usted tiene un 50% o menos de culpa, aún recupera daños, pero se reducen por su porcentaje de culpa. Si tiene un 51% o más de culpa, recupera cero. Los ajustadores de seguros siempre intentan culparlo a usted para ahorrar unos puntos porcentuales del pago. Luchamos para mantener la culpa donde pertenece: en el conductor que lo golpeó.

La Regla de “Pagado o Incurrido” (La Trampa Haygood)

Bajo el Tex. Civ. Prac. & Rem. Code § 41.0105 (que limita la recuperación de gastos médicos a la cantidad realmente pagada o incurrida) (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.41.htm#41.0105) y el fallo de la Corte Suprema en Haygood v. de Escabedo, solo puede recuperar la cantidad que sus proveedores médicos “realmente pagaron o incurrieron”. Esto significa que si un hospital factura $80,000 pero su seguro paga $20,000 y el resto se condona, solo puede reclamar $20,000 como daños médicos en el juicio. Esta “Trampa Haygood” es utilizada por los ajustadores para reducir el valor de su caso. Sabemos cómo manejar la facturación médica para asegurar que su reclamo refleje el verdadero costo humano de su lesión.

Preguntas Frecuentes sobre Accidentes en Gorman, TX

1. ¿Cuánto tiempo tengo para presentar un reclamo en Texas?
Bajo el Tex. Civ. Prac. & Rem. Code § 16.003 (que establece un plazo de dos años para reclamos de lesiones personales y muerte injusta) (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.16.htm#16.003), generalmente tiene dos años desde el día del choque. Sin embargo, si está demandando a una entidad gubernamental (como la ciudad de Gorman o un distrito escolar), es posible que deba presentar un aviso en tan solo 6 meses o incluso 90 días según la constitución de la ciudad bajo el Tex. Civ. Prac. & Rem. Code § 101.101 (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.101.htm#101.101).

2. ¿Cómo funciona el interés de pago puntual del 18%?
Bajo el Tex. Ins. Code § 542.060 (que impone multas a los aseguradores por retrasos en el pago de reclamaciones válidas) (https://statutes.capitol.texas.gov/Docs/IN/htm/IN.542.htm#542.060), si un asegurador es responsable de un reclamo de primera parte y no cumple con los plazos, debe la cantidad del reclamo más un 18% de interés anual.

3. ¿Qué pasa si el conductor que me golpeó no tiene seguro?
Buscamos su cobertura de Conductor No Asegurado (UM). Si la tiene, su propia compañía toma el lugar del conductor culpable. Si se niegan a pagar de manera justa, se aplican las leyes de mala fe de los capítulos 542 y 541 del Código de Seguros de Texas.

Programe Su Consulta Gratuita con Nuestro Equipo de Accidentes en Gorman

No espere hasta que la compañía de seguros haya terminado de construir su defensa. Las pruebas en las carreteras de Gorman pueden desaparecer en días: las marcas de frenado se desvanecen, el clima cambia la escena y los videos de vigilancia se borran. Cuando llama al 1-888-ATTY-911, está dando el primer paso para nivelar el campo de juego.

Ya sea que haya sido golpeado por una camioneta de Amazon, un adolescente distraído o un camión de 18 ruedas, Ralph Manginello y Lupe Peña están listos para poner sus más de 27 años de experiencia y su conocimiento interno de defensa de seguros a trabajar para usted. Servimos al Condado de Eastland y a todo Texas con una sola misión: obtener cada centavo que usted se merece.

Llámenos las 24 horas, los 7 días de la semana al 1-888-ATTY-911 o al (713) 528-9070. Su consulta es gratuita. Hablamos Español. Sin honorarios a menos que ganemos. Principal Office: Houston, Texas. Past results do not guarantee future outcomes. Every case is unique.

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