Denison Car Accident Lawyer | 24/7 Legal Emergency Help | 1-888-ATTY-911

If you’ve been hurt in a car accident in Denison, you’re probably overwhelmed. The pain is real. The medical bills are piling up. The insurance adjuster keeps calling, sounding helpful but asking questions that make you uncomfortable. Maybe you’re missing work, worried about how you’ll support your family, and wondering if your injuries will ever truly heal.

We understand. At Attorney911, we’ve helped hundreds of injured victims across North Texas, including families right here in Denison and throughout Grayson County. We know the local courts, the judges, and the tactics insurance companies use to minimize what they pay Denison residents. Most importantly, our firm includes a former insurance defense attorney who spent years learning exactly how these companies value claims—and now uses that insider knowledge to fight for you.

Call 1-888-ATTY-911 now. Our 24/7 legal emergency line is staffed by real people, not an answering service. The consultation is free, and we don’t get paid unless we win your case.

The Reality of Car Accidents in Denison and Grayson County

Denison sits at a critical crossroads in North Texas. With US Highway 75 running right through town connecting to Sherman and the Dallas-Fort Worth metroplex, and US 69 serving as a major freight corridor, our community sees constant traffic. The mix of local commuters, through-traffic to Oklahoma, and commercial trucks creates dangerous conditions, especially at intersections like US 75 and FM 120 or US 69 near the industrial districts.

In Texas, someone is injured in a car accident every 2 minutes and 5 seconds. In 2024 alone, our state saw 251,977 people injured in motor vehicle crashes. While Grayson County isn’t among the top 20 counties for total crashes, the statistics tell a sobering story: rural crashes like those on the two-lane farm-to-market roads around Denison are 2.66 times more likely to be fatal than urban accidents. That means every time you drive on FM 691 or FM 1417 toward Pottsboro, you’re facing statistically higher risk.

The deadliest crash profile in Texas? Rural roads, clear weather, dark conditions, and a driver who’s either fatigued or under the influence. Sound familiar? That’s the exact scenario we see playing out on the highways surrounding Denison every weekend.

Why Insurance Companies Are Already Working Against You

Within 24 hours of your accident, the other driver’s insurance company assigned an adjuster to your case. Their job isn’t to help you—it’s to protect their company’s bottom line. They’ll sound friendly. They’ll express concern. But every conversation is designed to gather evidence to minimize or deny your claim.

Here are the nine tactics they use, and why having a former insurance defense attorney on your side changes everything:

1. The “Friendly” Recorded Statement Trap

The adjuster calls while you’re still in pain, possibly on medication, and asks to record your account “for accuracy.” They’ll ask leading questions like, “You’re feeling better though, right?” or “It wasn’t that bad?” Every word is transcribed and will be used to argue your injuries are minor.

How we counter this: Once you hire Attorney911, all communication goes through us. Lupe Peña spent years making these exact calls for insurance companies. He knows the script, the leading questions, and how to shut this down.

2. The Quick Settlement Offer

Within days, they might offer you $2,500 or $5,000 to “help with immediate expenses.” It sounds tempting when bills are due. But here’s the truth: that offer represents 10-20% of your case’s true value. If you sign their release and later discover you need surgery costing $100,000, you cannot go back. The release is permanent.

Our brain injury case settled in the millions—but only because we refused the initial lowball offers and prepared for trial. Insurance companies knew we weren’t bluffing.

3. The “Independent” Medical Exam

Around month two, they’ll send you to “their doctor” for an “independent” evaluation. This doctor is paid $2,000-$5,000 by the insurance company and typically spends 10-15 minutes with you. Their report inevitably says you’re exaggerating, treatment was excessive, or it’s all pre-existing.

Lupe’s insider perspective: “I’ve reviewed hundreds of surveillance videos and social media posts as defense attorney. They take innocent activity out of context—freezing ONE frame of you moving ‘normally’ while ignoring the 10 minutes of struggle before and after.”

4. Delay and Financial Pressure

They’ll ignore your calls for weeks, claiming they’re “still investigating.” They have unlimited time and resources. You have mounting medical bills and lost wages. By month six, desperation makes even a lowball offer seem appealing.

We file lawsuits to force deadlines. Lupe used delay tactics for years—now he defeats them.

5. Surveillance and Social Media Monitoring

Private investigators may video you doing everyday tasks. They monitor Facebook, Instagram, TikTok—everything. One photo of you bending to pick up your child becomes “proof” you’re not injured.

Our 7 rules for clients: Make profiles private, don’t post about the accident or your health, no location check-ins, tell friends not to tag you, don’t accept friend requests from strangers, ideally stay off social media entirely, and assume everything you do is being watched.

6. The Comparative Fault Argument

Even if the other driver was clearly at fault, they’ll claim you were 10%, 20%, or 30% responsible. Under Texas law, if you’re found 51% or more at fault, you get nothing. Even 25% fault on a $250,000 case costs you $62,500.

Lupe made these fault arguments for years. He knows how to defeat them with accident reconstruction and expert testimony.

7. The Medical Authorization Trap

They’ll ask you to sign a broad medical authorization letting them access your entire medical history. They’re searching for any pre-existing condition to blame your injuries on.

We limit authorizations to accident-related records only. Lupe knows exactly what they’re fishing for.

8. Attacking Gaps in Treatment

If you miss a doctor’s appointment due to cost, transportation, or simply feeling too injured to go, they’ll claim, “If you were really hurt, you wouldn’t have missed treatment.”

We ensure consistent treatment and connect clients with lien doctors who treat now and get paid from settlement. Lupe used this attack—now he neutralizes it.

9. The Policy Limits Bluff

They’ll claim the at-fault driver only has $30,000 in coverage. They won’t mention the $1 million umbrella policy, the employer’s commercial policy, or the dram shop liability from the bar that overserved the drunk driver.

Our case result: “Real investigation found $8,030,000 in available coverage, not the $30,000 initially claimed.”

This is why you need Attorney911. Call 1-888-ATTY-911. We’ll handle the insurance company so you can focus on healing.

Rear-End Collisions in Denison: The Most Common but Least Defensible Crashes

You’re stopped at the light on US 75 and FM 120 when—WHAM—the car behind you never stopped. Your neck snaps back and forth. The adrenaline surges. By the time the police arrive, your head is throbbing and your back feels locked up.

Rear-end collisions are the most common accidents in Texas, with “Failed to Control Speed” causing 131,978 crashes statewide in 2024. In Denison and Grayson County, these happen constantly at intersections and in stop-and-go traffic on US 75. They’re also the least defensible—the trailing driver is almost always 100% at fault.

But here’s what insurance companies won’t tell you: Many victims write off their initial soreness as “just whiplash,” only to discover weeks later they have a herniated disc requiring surgery. We’ve seen cases where what started as a $15,000 soft tissue settlement became a $500,000 case after MRI revealed surgical needs.

Our documented 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.”

The insurance company initially offered $75,000. We rejected it, prepared for trial, and proved the full extent of damages. That’s the difference between a settlement mill and Attorney911.

Liable parties in rear-end crashes:

• The trailing driver (direct negligence)
• The trailing driver’s employer (respondeat superior if they were working)
• The vehicle manufacturer (if brake failure caused the crash)
• A government entity (if missing or malfunctioning traffic signals contributed)

The Stowers Doctrine is our nuclear weapon here. If liability is clear (which it almost always is in rear-ends), we can send a demand within the at-fault driver’s policy limits. If their insurance company unreasonably refuses, they become liable for the ENTIRE verdict—even if it exceeds the policy limits.

Client testimonial: MONGO SLADE says, “I was rear-ended and the team got right to work… I also got a very nice settlement.” Chavodrian Miles adds, “Leonor got me into the doctor the same day… it only took 6 months amazing.”

If you’ve been rear-ended in Denison, don’t downplay your injuries. Call 1-888-ATTY-911. We work with top medical providers in Grayson County and won’t let insurance minimize your pain.

T-Bone and Intersection Accidents: Denison’s Deadliest Crossroads

The intersection of US 75 and Spur 503. US 69 and Loy Lake Road. These are Denison’s most dangerous crossroads where T-bone collisions happen in an instant. Someone runs a red light. Someone turns left without looking. Someone is looking at their phone instead of the road.

In Texas, intersection crashes killed 1,050 people in 2024. “Failed to Yield ROW — Turning Left” caused 35,984 crashes. “Disregard Stop and Go Signal” caused another 20,963. When a vehicle strikes another in the side, there’s virtually no protection—just a door panel between you and 4,000 pounds of metal.

The severity multiplier is devastating. Side-impact occupants face up to 100 times higher fatal injury risk when a larger vehicle strikes a smaller one. These crashes cause catastrophic injuries: traumatic brain injuries from side-window impacts, spinal cord damage, internal organ damage, pelvic fractures, and wrongful death.

Liability is often clear—but insurance companies fight anyway. A police citation for running a red light is powerful evidence. Traffic camera footage (if available) is even better. But surveillance footage is deleted in 7-30 days. That’s why our 48-hour protocol is critical.

Multiple liable parties can include:

• The driver who violated right-of-way (negligence per se)
• Their employer (if they were on the clock)
• A government entity (if malfunctioning signals or poor intersection design contributed)
• A dram shop (if the driver was overserved at a bar)

Our case results speak for themselves. We recovered millions in trucking-related wrongful death cases and multi-million dollar settlements for brain injuries. We prepare every case as if it’s going to trial, which forces insurance companies to take us seriously.

Testimonial: Glenda Walker says, “They make you feel like family… They fought for me to get every dime I deserved.”

If you’ve been T-boned in Denison, time is critical. Call 1-888-ATTY-911. We’ll secure intersection camera footage before it’s deleted and build your case while evidence is fresh.

Single-Vehicle and Run-Off-Road Crashes: When It’s Not Your Fault

You were driving carefully on FM 120 near Lake Texoma when your tires suddenly lost traction. Or a pothole on US 69 sent you veering off the road. Or another driver forced you into the shoulder and kept going. Now you’re facing a “single-vehicle” crash where insurance will blame you by default.

In Texas, “Failed to Drive in Single Lane” caused 42,588 crashes in 2024—with 800 fatalities, making it the #1 fatal contributing factor statewide. These crashes are especially common on the rural two-lane roads surrounding Denison, where narrow shoulders, no guardrails, and high speeds create deadly conditions.

But single-vehicle doesn’t mean single-liability. Here’s who may be responsible:

• Government entity (TxDOT, Grayson County): If a road defect, missing guardrail, or inadequate signage caused your crash, the Texas Tort Claims Act allows claims against government bodies. The 6-month notice requirement is critical—miss it and your claim is barred.
• Vehicle or tire manufacturer: If a tire blowout, brake failure, or steering defect caused the loss of control, strict product liability applies.
• Another driver (phantom vehicle): If an uninsured driver forced you off the road, your own UM/UIM coverage can provide compensation.
• Construction company: If inadequate signage or barriers in a work zone contributed to your crash.

Our documented case result: “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.” The same investigative approach applies to run-off-road crashes—we don’t accept the surface explanation.

Key evidence deteriorates rapidly: Skid marks fade in days. Debris gets cleared. Surveillance footage from nearby businesses deletes in 7-30 days. Vehicle damage gets repaired, destroying evidence of defects.

If you’ve been in a single-vehicle crash in Denison, don’t assume you’re at fault. Call 1-888-ATTY-911. We’ll investigate road conditions, vehicle defects, and all potential liable parties before evidence disappears.

Head-On Collisions: When a Wrong-Way Driver Changes Everything

You’re driving north on US 75 toward Sherman when suddenly headlights appear in your lane. There’s no time to react. In that instant, your life is forever altered.

Head-on collisions killed 617 people in Texas in 2024. “Wrong Side — Not Passing” caused 177 fatal crashes (9.9% fatality rate). “Wrong Way — One Way Road” caused another 82 fatal crashes. These numbers don’t capture the devastation—catastrophic injuries, permanent disability, wrongful death.

DUI is the overwhelming driver of wrong-way crashes. In 2024, Texas saw 1,053 DUI-alcohol fatalities—one every 8.3 hours. The peak danger window is 2:00-2:59 AM Sunday when bars close. Every single one of those crashes involves a bar that overserved the driver, creating dram shop liability.

The Maximum Recovery Stack for DUI Head-On in Denison:

1. Drunk driver’s auto policy ($30K-$60K typical)
2. Dram shop claim against the bar/restaurant that overserved them ($1M+ commercial policy)
3. Your UM/UIM coverage (stacked across all household policies)
4. Punitive damages—if DWI is charged as a felony, there’s NO CAP on punitives
5. Stowers demand to force settlement

Punitive damages for felony DWI are NOT dischargeable in bankruptcy. Even if the defendant files bankruptcy, the punitive judgment survives.

Our criminal defense capability matters here. Ralph Manginello is a member of the Harris County Criminal Lawyers Association. We’ve secured dismissals in DWI cases where breathalyzer maintenance was improper, where evidence was missing, and where video showed our client wasn’t intoxicated. This dual civil-criminal expertise is critical when the at-fault driver faces Intoxication Assault or Intoxication Manslaughter charges.

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.” The same approach applies to DUI wrongful death.

Testimonial: Ernest Cano says, “Mr. Maginello and his firm are first class. Will fight tooth and nail for you.”

If a wrong-way or drunk driver hit you in Denison, you have powerful legal options. Call 1-888-ATTY-911 immediately. We’ll investigate the bar that served them and pursue every available source of compensation.

Commercial Truck and 18-Wheeler Accidents: Denison’s Highway Danger

Denison sits on critical trucking routes. US 75 carries heavy commercial traffic between Dallas and Oklahoma. US 69 is a major freight corridor. Every day, 18-wheelers, delivery trucks, and commercial vehicles pass through our community—and when they crash, the results are catastrophic.

Texas leads the nation in truck accidents. In 2024, we had 39,393 commercial vehicle accidents, killing 608 people. That’s more than any other state. In Dallas County alone, there were 3,857 truck crashes (29 fatal). While Grayson County doesn’t make the top 20 list, the trucks passing through Denison on their way to larger metros create constant risk.

The 97/3 Rule is stark reality: In two-vehicle crashes between passenger vehicles and large trucks, 97% of people killed are in the passenger vehicle. Car occupants are 36.5 times more likely to die. In 2023, that meant 2,190 car occupants died compared to just 60 truck occupants.

Why Denison truck accidents are uniquely complex:

• Federal regulations (FMCSA): Hours of service limits, ELD mandates, drug testing, pre-trip inspections. Violations = negligence per se.
• Deep pocket chain: Not just the driver, but the motor carrier, freight broker, cargo shipper, maintenance provider, and vehicle manufacturer can all be liable.
• MCS-90 endorsement: Federal law requires interstate carriers to carry this endorsement guaranteeing payment to injured third parties—even if the policy would otherwise exclude coverage.
• Nuclear verdicts: Texas is #1 nationally for verdicts over $10M. In 2024, Oncor Electric faced a $37.5M verdict. New Prime I-35 pileup resulted in $44.1M. Lopez v. All Points 360 (Amazon DSP) hit $105M. Insurance companies know this and settle more generously with firms that prepare every case for trial.

Our federal court admission matters here. Both Ralph Manginello and Lupe Peña are admitted to the U.S. District Court, Southern District of Texas—essential for complex trucking litigation. Ralph’s involvement in the BP Texas City Refinery explosion litigation ($2.1 billion total case) proves we can take on billion-dollar corporations.

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.”

Liable parties in Denison truck crashes:

• Truck driver (direct negligence: fatigue, distraction, impairment)
• Motor carrier (respondeat superior + direct negligence: hiring, supervision, maintenance, FMCSR violations)
• Freight broker (negligent selection of unsafe carrier)
• Cargo shipper (improper loading, overweight)
• Maintenance provider (failed inspections, faulty repairs)
• Vehicle manufacturer (defective brakes, tires, steering)

The ELD data is critical. Electronic Logging Devices record driver hours, speed, braking, and location. Federal law requires preservation for 6 months, but many carriers “lose” data unless we send preservation letters immediately.

Our trucking investigation includes:

• FMCSA Compliance, Safety, Accountability (CSA) scores
• Driver’s inspection history and out-of-service rates
• Vehicle maintenance records
• Dispatch communications and delivery schedules
• Drug and alcohol testing records
• Black box/EDR data

Testimonial: Glenda Walker says, “They fought for me to get every dime I deserved.” Chad Harris adds, “You are FAMILY to them.”

If an 18-wheeler or commercial truck hit you in Denison, you need immediate action. Call 1-888-ATTY-911. We’ll send preservation letters within 24 hours to secure critical ELD and black box data before it disappears.

Motorcycle Accidents: When Denison Drivers Don’t See You

You’re riding your motorcycle on a beautiful day through Denison, heading toward Lake Texoma. A car turns left in front of you from Loy Lake Road. They never saw you. In that instant, everything changes.

Texas had 585 motorcycle fatalities in 2024—one every day. In Denison and Grayson County, left-turn crashes are the signature motorcycle accident. 42% of fatal motorcycle crashes involve a car turning left in front of the bike. The car driver almost always says, “I didn’t see them.”

The severity is catastrophic. Motorcycles offer zero structural protection. Even at low speeds, riders suffer traumatic brain injuries, spinal cord damage, road rash requiring skin grafts, amputations, and wrongful death. Texas settlements average $200K, but litigated cases with serious injuries routinely reach $1 million to $7 million+.

Jury bias is your biggest obstacle. Insurance defense attorneys exploit the “reckless biker” stereotype. They’ll argue you were speeding, even when you weren’t. They’ll point to helmet laws (37% of Texas riders killed were unhelmeted), though Texas law doesn’t require helmets for riders over 21 with proper insurance.

Our strategy counters this by:

• Building a clean rider profile: licensing, training, safety courses, responsible riding history
• Humanizing you for the jury: family, community involvement, responsible citizen
• Framing the crash as the car driver’s visibility and attention failure
• Using accident reconstruction to prove you had the right-of-way

The underinsurance crisis is severe. Motorcycle injuries are almost always catastrophic ($200K-$7M+), but at-fault car drivers typically carry only $30,000 in liability coverage. Your UM/UIM coverage is the most critical insurance you have. We stack policies across your motorcycle, auto, and any household vehicles to maximize recovery.

Texas 51% comparative negligence applies. If you’re found 20% at fault (even unfairly), your recovery is reduced by 20%. We fight every percentage point because each point equals thousands of dollars.

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.” The same aggressive approach applies to motorcycle cases.

Testimonial: Brian Butchee says, “Melanie was excellent. She kept me informed and when she said she would call me back, she did.” Dame Haskett adds, “Consistent communication and not one time did I call and not get a clear answer… Ralph reached out personally.”

If you’ve been hit on your motorcycle in Denison, call 1-888-ATTY-911. We ride for riders, and we know how to overcome jury bias and insurance tactics.

Rideshare Accidents (Uber/Lyft): The $1 Million Secret

You took an Uber from Denison to Sherman for a night out. The driver was distracted by their phone and rear-ended another vehicle. Now you’re injured. Who pays?

Rideshare accidents are the most underserved niche in Texas personal injury law—and one of the most valuable. Uber and Lyft carry $1 million in liability coverage during active rides (Periods 2 and 3). Yet most victims don’t know this exists, and most law firms don’t explain it properly.

The Three-Tier Insurance System:

• Period 0 (App Off): Personal insurance only ($30K minimum). Many policies EXCLUDE commercial use, creating a coverage gap.
• Period 1 (App On, Waiting): Contingent coverage of $50K/$100K/$25K.
• Period 2 (Ride Accepted, En Route): $1,000,000 liability coverage.
• Period 3 (Passenger in Vehicle): $1,000,000 liability + $1,000,000 UM/UIM.

58% of rideshare injuries happen to third parties—other drivers, pedestrians, cyclists—who don’t realize they can access the $1M policy. If you were hit BY an Uber driver, even if you weren’t a passenger, you may be covered.

Determining the driver’s status at crash time is critical. We subpoena Uber/Lyft’s app activity logs, GPS data, and trip records to prove coverage applies.

The “independent contractor” shield: Uber/Lyft classify drivers as ICs, but Texas courts apply a multi-factor control test. Uber sets pricing, routes, acceptance rates, ratings, deactivation policies, and requires branded vehicles. This control can create de facto employment, making Uber directly liable.

Our federal court experience matters for suing major corporations like Uber and Lyft. Ralph’s BP explosion experience proves we can take on billion-dollar companies.

SEO competitive gap: Almost no firm has comprehensive rideshare content. This is your opportunity for dominant ranking.

If you were in an Uber/Lyft accident in Denison, call 1-888-ATTY-911 immediately. We’ll determine the driver’s status and access the $1M policy that insurance companies hope you don’t know about.

Pedestrian Accidents: When Walking in Denison Becomes Deadly

You’re crossing Loy Lake Road at a marked crosswalk. The driver is looking at their phone. They never see you. One moment you’re running errands in Denison, the next you’re fighting for your life.

Pedestrian crashes are the most lethal accidents on Texas roads. In 2024, 768 pedestrians were killed—19% of all traffic deaths, despite being just 1% of crashes. A pedestrian crash is 28.8 times more likely to be fatal than a car-to-car crash. The fatality rate is 12.65%.

In Denison and Grayson County, the risks are elevated:

• 75% of pedestrian deaths occur between 6 PM and 6 AM (darkness)
• 84% happen in urban areas (crossing US 75 in Denison)
• Hit-and-run accounts for 25% of pedestrian deaths
• 35-40 mph speed zones are the deadliest (2,083 national deaths)

The $30,000 Problem: Texas minimum auto liability is $30,000 per person. That’s grossly inadequate for catastrophic pedestrian injuries. Our collection strategy looks beyond the driver’s policy:

1. Your own UM/UIM coverage applies—even as a pedestrian. This is the most underutilized fact in Texas PI law. Most pedestrians don’t know their car insurance protects them when walking. We stack UM/UIM across all household policies.
2. Dram shop liability if the driver was overserved (additional $1M+ commercial policy)
3. Employer liability if driver was working
4. Government entity if road design contributed (missing crosswalk, inadequate lighting)

Critical Texas law: Pedestrians ALWAYS have right-of-way at intersections, even at unmarked crosswalks. Insurance companies will claim you “failed to yield,” but even if you’re found 20% at fault, you still recover 80% of your damages.

Our case result: “Multi-million dollar settlement for client who suffered brain injury with vision loss when log dropped on him at logging company.” The same catastrophic injury approach applies to pedestrian TBI cases.

If you were hit as a pedestrian in Denison, call 1-888-ATTY-911. We’ll investigate all insurance sources, including your own UM/UIM coverage that insurance companies don’t want you to know about.

DUI/Alcohol-Related Crashes: Holding Drunk Drivers and Bars Accountable

It’s 2:30 AM on a Sunday. The bars in Denison and Sherman just closed. A driver who was overserved at a local establishment is now headed north on US 75, swerving across lanes. This is the deadliest hour on Texas roads.

In 2024, 1,053 people were killed in DUI-alcohol crashes in Texas—25.37% of all traffic deaths. That’s one death every 8.3 hours. Peak danger: 2:00-2:59 AM Sunday. Every single one of those crashes involves a bar that overserved the driver.

The Maximum Recovery Stack for DUI crashes in Denison:

1. Drunk driver’s auto policy
2. Dram Shop Act claim against the bar/restaurant (Texas Alcoholic Beverage Code § 2.02) = additional $1M+ commercial policy
3. Your UM/UIM coverage
4. Punitive damages—if DWI is charged as a felony, there’s NO CAP on punitives
5. Stowers demand to force settlement
6. Abstract of judgment against defendant’s assets (judgment lasts 10 years, renewable)

Dram Shop liability requires proving:

• The establishment served someone “obviously intoxicated” (slurred speech, glassy eyes, unsteady gait)
• The over-service was a proximate cause of the crash

Signs of obvious intoxication that bartenders and servers are trained to recognize but often ignore for profit.

Criminal + Civil Capability: Ralph Manginello’s HCCLA membership means Attorney911 handles both the criminal charges against the drunk driver AND your civil recovery. Our three documented DWI dismissals show we know how to defeat criminal charges when police make errors.

Punitive damages for felony DWI are NOT dischargeable in bankruptcy. 11 U.S.C. § 523(a)(6) makes them survive forever.

Testimonial: Bill Spragg says, “Mr. Manginello got us a nice result in my wife’s injury.”

If a drunk driver hit you in Denison, call 1-888-ATTY-911 immediately. We’ll investigate every bar they visited and pursue dram shop liability while building a felony DUI case for uncapped punitive damages.

Delivery Vehicle Accidents: Amazon, FedEx, UPS in Denison

You were stopped at the light near Walmart in Denison when an Amazon delivery van backed into you without looking. The driver was rushing to meet their delivery quota. Now you’re injured and confused—is Amazon responsible, or just the driver?

Delivery vehicle accidents are an extremely underserved niche in Texas law. TxDOT data shows “Backed Without Safety” caused 8,950 crashes statewide—particularly relevant for delivery vehicles that back up dozens of times per route. UPS had 72 fatal + 830 injury crashes in a recent 24-month period. FedEx had 37 fatal + 611 injury crashes. Amazon DSPs (Delivery Service Partners) were linked to 60 serious crashes (2015-2021), including 10 fatalities.

The Liable Party Chain is Complex:

Company	Driver Status	Insurance	Liability Theory
UPS	W-2 Employee	UPS commercial (very substantial)	Respondeat Superior
FedEx Express	W-2 Employee	FedEx commercial (substantial)	Respondeat Superior
FedEx Ground	Contractor	Contractor’s commercial	Direct negligence
Amazon DSP	DSP employee	DSP commercial ($1M typical)	Negligent hiring + de facto employer
Amazon Corporate	No direct contract	Amazon corporate ($1.7T market cap)	Control over operations

Amazon’s Control Creates Liability: Amazon sets delivery quotas, routing software, requires branded uniforms/vehicles, mandates surveillance cameras (“Driveri” AI cameras), monitors driver scorecards, and controls deactivation. This control supports negligent hiring/supervision claims against Amazon corporate.

Key verdicts proving this theory:

• 2024 Georgia: $16.2M (Amazon 85% responsible for DSP driver hitting child)
• 2024 Lopez v. All Points 360: $105M (Amazon DSP)
• 2024 Grubhub: Wrongful death (driver distracted by app)
• 2024 Instacart: $16.4M wrongful death

SEO competitive gap: Near-zero competition for delivery vehicle content. Dominant ranking opportunity.

Testimonial: Nina Graeter says, “Highly recommend! They moved fast and handled my case very efficiently.”

If an Amazon, FedEx, or UPS vehicle hit you in Denison, call 1-888-ATTY-911. We’ll investigate the DSP relationship and pierce the corporate shield to access Amazon’s deep pockets.

Distracted Driving: The Hidden Epidemic on Denison Roads

You were driving south on US 75 through Denison when you noticed the car ahead drifting between lanes. At the stoplight, you saw why—the driver was texting. Then the light turned green, they didn’t move, you honked, and they lurched forward—right into your path.

380 people died in distracted driving crashes in Texas in 2024. “Driver Inattention” caused 81,101 crashes. Cell phone use specifically caused:

• Texting: 594 crashes
• Talking: 429 crashes
• Other mobile use: 1,396 crashes

But these numbers vastly underreport the true scope because drivers rarely admit distraction.

The legal challenge: Proving distraction requires evidence. We subpoena:

• Cell phone records (call logs, text timestamps, app usage)
• Social media activity
• Vehicle data (sudden braking, erratic steering)
• Witness statements
• Surveillance footage from businesses along Denison roads

Distracted driving is negligence per se—automatic fault. Texas Transportation Code § 545.4251 prohibits reading, writing, or sending electronic messages while driving. Violation + crash causing injury = liability.

The settlement multiplier increases when we prove intentional distraction (texting, social media posting) versus momentary inattention.

Our approach: We treat distracted driving like DUI—reckless, conscious disregard for safety. This supports punitive damages arguments.

If a distracted driver hit you in Denisan, call 1-888-ATTY-911. We’ll subpoena phone records and build a case that insurance can’t minimize.

Hit and Run Accidents: When the Driver Flees in Denison

You were walking across Main Street in Denison when a car ran a stop sign and hit you. They paused, then sped off. You’re left injured and angry, wondering if you’ll ever get justice.

Every 43 seconds, someone in the U.S. is involved in a hit-and-run. In Texas, 25% of pedestrian deaths are hit-and-run. The penalties are severe: death = 2nd degree felony (2-20 years), serious injury = 3rd degree felony, minor injury = state jail felony.

But the criminal case doesn’t help you recover compensation. The driver often has no insurance or minimal assets. Your recovery path is UM/UIM coverage on your own auto policy.

Critical fact most Denison residents don’t know: Your UM/UIM coverage protects you as a pedestrian. It also protects you if a phantom vehicle forces you off the road.

Evidence is everything: Surveillance footage is deleted in 7-30 days. We immediately:

• Canvas businesses for video (gas stations, banks, retail)
• Check Ring doorbell cameras in the neighborhood
• Review TxDOT traffic cameras
• Locate witnesses
• Work with police to identify the vehicle

Our case result: “In a recent case, our client was charged with DUI/DWI, state’s primary evidence was video field sobriety test. We succeeded in having case dismissed because our client did not appear drunk in the video.” The same video expertise applies to hit-and-run identification.

Testimonial: Angel Walle says, “They solved in a couple of months what others did nothing about in two years.”

If you were the victim of a hit-and-run in Denison, call 1-888-ATTY-911 within 48 hours. We’ll secure surveillance footage before it disappears and activate your UM/UIM coverage.

Construction Zone Accidents: Denison’s Growing Pain

Denison is growing. New development along US 75 means constant construction. But construction zones are death traps when contractors cut corners on safety.

Texas had nearly 28,000 work zone crashes in 2024, killing 215 people—a 12% increase. 60% of highway contractors reported vehicles crashing into their work zones.

Real tragedy: Katrina Bond, a college student, was killed on I-35 near Fort Worth when a distracted pickup driver rear-ended her into a work zone. The contractor’s inadequate signage contributed.

Construction company negligence includes:

• Inadequate signage or warning lights
• Insufficient barriers between traffic and workers
• Poor lane marking during shifts
• Failure to close lanes when necessary
• Speed limit not properly reduced

Multiple liable parties:

• Construction company: Primary negligence
• Driver: Direct negligence
• Government entity: TX Tort Claims Act if they approved unsafe plans
• General contractor: If sub-tier contractor was negligent

Evidence disappears when construction ends. We must document zone conditions immediately with photos, video, and expert analysis.

Our federal court admission allows us to sue out-of-state contractors and government entities when necessary.

If a construction zone crash injured you in Denison, call 1-888-ATTY-911. We’ll document the unsafe conditions before the project ends and evidence is gone.

Bus Accidents: When Public Transportation Goes Wrong

You were driving near Denison High School when a school bus turned left in front of you. Or you were a passenger on a Grayson County transit bus when the driver braked suddenly. Bus accidents involve complex liability and government protections.

Texas had 1,110 bus accidents in 2024—most of any state. 2,523 school bus crashes killed 11 and seriously injured 63 more.

Key challenges:

• Government entity liability: School districts and municipal transit have sovereign immunity. The Texas Tort Claims Act waives immunity for motor vehicle use, but imposes a 6-month notice requirement. Miss that deadline and your claim is barred forever.
• Damage caps: $100,000-$250,000 per person depending on entity type.
• Multiple victims: Bus crashes often injure dozens, creating competition for limited insurance funds.

Bus types we handle:

• School buses (Denison ISD)
• Grayson County public transit
• Charter buses
• Greyhound and intercity carriers
• Private company shuttles

Liability can include:

• Bus driver negligence
• School district (vicarious liability)
• Bus manufacturer (defective design)
• Maintenance company (negligent repairs)
• Other drivers who caused the bus to crash

Our 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.” The same multi-party approach applies to bus cases.

If a bus accident injured you or your child in Denison, call 1-888-ATTY-911 immediately. The 6-month government notice deadline is absolute and cannot be extended.

Weather-Related Accidents: The Denison Storm Season

It’s raining hard in Denison—typical for our spring storm season. You hydroplane on US 75 and crash. The insurance company blames the weather, saying it was an “act of God.”

Here’s what they don’t want you to know: 90.3% of Texas crashes happen in clear or cloudy weather. Rain causes only 8.4% of crashes. Weather is a factor, but driver negligence in bad weather is the real cause.

The law requires drivers to adjust for conditions. Texas Transportation Code § 545.351 requires driving at a speed “reasonable and prudent” under existing conditions. In rain, that means slower speeds, longer following distances, and increased caution.

Common weather-related negligence:

• Driving too fast for conditions
• Following too closely on wet roads
• Bald tires (defective or slick tires caused 3,975 crashes)
• Inadequate windshield wipers
• Failure to use headlights

Insurance companies use weather as an excuse to deny claims. We prove the driver failed to adjust their driving to conditions, making them negligent—not the weather.

If weather contributed to your Denison crash, call 1-888-ATTY-911. We’ll prove driver negligence, not weather, caused your injuries.

Tesla, Autopilot, and Self-Driving Car Accidents: The New Frontier

You were driving your Tesla on Autopilot through Denison when it suddenly accelerated into another vehicle. Or a Tesla in Autopilot mode rear-ended you at a stoplight. Who’s liable—the driver or the manufacturer?

Tesla Autopilot is involved in 70% of driver-assist crashes reported to NHTSA. In December 2023, Tesla recalled 2 million+ vehicles. In August 2025, a Miami jury awarded $240 million in a landmark Autopilot case.

Product liability applies. We sue Tesla directly for:

• Defective design: Autopilot is marketed as safer but fosters dangerous overconfidence
• Failure to warn: Tesla knew about defects but issued OTA patches instead of recalls
• Marketing deception: Mischaracterized system’s true capabilities

Federal court experience is critical for product liability against multinational corporations. Ralph Manginello’s BP explosion litigation experience ($2.1 billion case) proves we can handle complex tech litigation.

Evidence is unique: We preserve vehicle data, Autopilot logs, camera footage, and Tesla’s internal communications about known defects.

If a Tesla or self-driving vehicle hit you in Denison, call 1-888-ATTY-911. We’re at the forefront of autonomous vehicle litigation.

Bicycle and E-Scooter Accidents: Denison’s Vulnerable Road Users

You were biking on the shoulder of FM 120 in Denison when a truck passed too close, clipping your handlebars. Or you were riding an e-scooter near Austin College when a car turned right into you. Bicycle and scooter riders have no protection.

Texas had 78 cyclist fatalities in 2024 (down 26.42%). While that’s progress, insurance companies aggressively use the 51% comparative negligence rule to reduce payouts to cyclists. They’ll claim you weren’t in the bike lane, weren’t wearing a helmet, or “came out of nowhere.”

Texas law on e-bikes: Class 1 (20 mph pedal-assist), Class 2 (20 mph throttle), Class 3 (28 mph pedal-assist). No license or registration required for compliant e-bikes. If the e-bike exceeds 750W motor or 28 mph, it’s not an “electric bicycle” under Texas law—affects insurance coverage.

Right-of-way: Bicycles are vehicles with full road rights. Texas Transportation Code § 551.101 gives cyclists the same rights and duties as drivers.

UM/UIM coverage applies if you have an auto policy. Most cyclists don’t know this.

If a vehicle hit you while biking or scooting in Denison, call 1-888-ATTY-911. We’ll fight the comparative negligence arguments and access all available insurance.

What You Can Recover: Texas Damages Breakdown

After a car accident in Denison, you’re entitled to compensation for ALL your losses. Texas law allows recovery of both economic and non-economic damages. There is NO CAP on compensatory damages (except medical malpractice).

Economic Damages (No Cap)

• Medical expenses: ER bills, hospital stays, surgeries, physical therapy, medications, medical equipment. Both past AND future.
• Lost wages: Income lost from missing work during recovery
• Lost earning capacity: If you can’t return to your previous job or earn the same income
• Property damage: Vehicle repair/replacement, damaged personal items
• Out-of-pocket expenses: Transportation to appointments, home modifications, household help

Non-Economic Damages (No Cap)

• Pain and suffering: Physical pain from injuries
• Mental anguish: Emotional distress, anxiety, depression, PTSD
• Physical impairment: Loss of function, disability, limitations on daily activities
• Disfigurement: Scarring, visible injuries
• Loss of consortium: Impact on your marriage and family relationships
• Loss of enjoyment of life: Inability to do activities you once loved

Punitive/Exemplary Damages

Available for gross negligence, fraud, or malice. CRITICAL EXCEPTION: If the underlying act is a felony, there’s NO CAP on punitive damages.

Felony DWI (Intoxication Assault or Intoxication Manslaughter) = NO CAP + NOT dischargeable in bankruptcy.

Settlement ranges by injury severity:

Injury Type	Typical Settlement Range
Soft tissue (whiplash, sprains)	$15,000 – $60,000
Simple fracture	$35,000 – $95,000
Surgical fracture	$132,000 – $328,000
Herniated disc (surgery)	$346,000 – $1,205,000
Traumatic brain injury (moderate-severe)	$1,548,000 – $9,838,000
Spinal cord injury/paralysis	$4,770,000 – $25,880,000
Wrongful death (working adult)	$1,910,000 – $9,520,000

Multiplier method: Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage. Multipliers range from 1.5 for minor injuries to 5+ for catastrophic.

Subrogation and liens: Health insurance, Medicare, Medicaid, and medical providers may claim part of your settlement. We negotiate these liens DOWN to maximize your take-home recovery.

Testimonial: Tracey White says, “She had received an offer but she told me to give her one more week because she knew she could get a better offer.”

To find out what your Denison car accident case is worth, call 1-888-ATTY-911 for a free case evaluation.

The 48-Hour Protocol: What to Do Right Now After a Denison Car Accident

The actions you take in the first 48 hours after a car accident in Denison can make or break your case. Evidence disappears. Witnesses forget. Insurance companies build their defense. Here’s exactly what to do:

HOURS 1-6: IMMEDIATE CRISIS

1. Safety first: Get to a safe location away from traffic on US 75 or whatever road you’re on.
2. Call 911: Report the accident, request police and medical. Even if you feel “okay,” adrenaline masks injuries.
3. Medical attention: Go to ER or urgent care. Some injuries (brain bleed, internal bleeding) have delayed symptoms that become fatal without treatment. Document everything.
4. Document the scene: Take photos of ALL vehicles from every angle, damage, skid marks, debris, road conditions, traffic signs, and your injuries. Use your cell phone—watch our video on documenting legal cases at https://www.youtube.com/watch?v=LLbpzrmogTs
5. Exchange information: Get name, phone, address, insurance company, policy number, driver’s license, license plate, and vehicle info.
6. Witnesses: Get names and phone numbers of anyone who saw the crash. Ask what they saw.
7. Digital trail: Screenshot any texts, calls, or app activity you had before the crash.
8. Call Attorney911: 1-888-ATTY-911 before speaking to ANY insurance company. This is the most important call you’ll make.

HOURS 6-24: EVIDENCE PRESERVATION

1. Preserve evidence: DO NOT repair your vehicle yet. The damage proves the crash forces and severity.
2. Physical items: Keep damaged clothing, glasses, phone—anything from the crash.
3. Medical records: Request copies of ER records, discharge papers. Keep all receipts.
4. Insurance contact: If the other driver’s insurance calls, say “I need to speak with my attorney.” DO NOT give a recorded statement. DO NOT sign anything.
5. Social media: Make ALL profiles private. DO NOT post about the accident, your injuries, or activities. Tell friends not to tag you. **Watch our video on social media mistakes at https://www.youtube.com/watch?v=r3IYsoxOSxY **
6. Timeline: Write down everything you remember while it’s fresh.

HOURS 24-48: STRATEGIC DECISIONS

1. Follow-up medical: See your doctor or specialist. Consistent treatment is critical.
2. Legal consultation: Call 1-888-ATTY-911 with all documentation. We’ll review for free.
3. Refer insurance: All calls go through us now.
4. Settlement: DO NOT accept any offers. The first offer is always 10-20% of true value.
5. Evidence backup: Upload photos to cloud storage.

EVIDENCE DETERIORATION TIMELINE

• Day 7: Skid marks fade, debris cleared
• Day 7-30: Surveillance footage DELETED (gas stations 7-14 days, retail 30 days, traffic cameras 30 days) GONE FOREVER
• Day 30-180: ELD/black box data deleted (trucking cases)
• Month 6+: Treatment gaps used against you, financial pressure builds
• Month 12-24: Approaching 2-year statute of limitations

Our 24-hour action: Within 24 hours of hiring Attorney911, we send preservation letters to all parties legally requiring them to save evidence. This stops automatic deletion.

Testimonial: Stephanie Hernandez says, “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.”

Don’t face this alone. Call 1-888-ATTY-911 now. We answer 24/7.

Texas Legal Framework: Your Rights After a Denison Car Accident

Texas law provides strong protections for accident victims, but the system is complex. Here’s what you need to know:

Modified Comparative Negligence (51% Bar)

Texas Civil Practice & Remedies Code § 33.001

You can recover damages only if you’re 50% or less at fault. Your recovery is reduced by your fault percentage. At 51% fault, you get $0.

Example: $500,000 case value

• 0% fault = $500,000
• 25% fault = $375,000
• 50% fault = $250,000
• 51% fault = $0

Insurance companies ALWAYS try to assign maximum fault to reduce payment. Even 10% fault on $100,000 costs you $10,000. Lupe Peña made these fault arguments for years for insurance companies. Now he defeats them.

Statute of Limitations

Texas Civil Practice & Remedies Code § 16.003

• Personal injury: 2 years from accident date
• Wrongful death: 2 years from date of death
• Property damage: 2 years
• Government claims: 6 MONTHS NOTICE (critical for crashes involving TxDOT vehicles, city buses, school buses, or road design claims)

Miss the deadline = case barred forever. Cannot be extended.

Stowers Doctrine (The Nuclear Option)

G.A. Stowers Furniture Co. v. American Indem. Co., 15 S.W.2d 544 (Tex. 1929)

If we send a settlement demand within the at-fault driver’s policy limits, and their insurer unreasonably refuses, the insurer becomes liable for the ENTIRE verdict—even if it exceeds policy limits.

Most powerful in clear-liability cases: Rear-ends, DUI, red-light runners. Lupe understands Stowers demands from the inside—he received them for years and knows what makes them unrefusable.

Dram Shop Act

Texas Alcoholic Beverage Code § 2.02

Bars, restaurants, and liquor stores that serve “obviously intoxicated” patrons can be liable when those patrons cause crashes. Signs of obvious intoxication:

• Slurred speech
• Glassy/bloodshot eyes
• Unsteady gait
• Fumbling with money
• Aggressive behavior

Safe Harbor Defense: If the establishment completed TABC training, didn’t pressure over-service, and had policies in place, they may avoid liability. We investigate whether they actually followed those policies.

Denison and Sherman bars that overserve patrons create massive liability. Every DUI crash at 2 AM is a potential dram shop case.

Punitive Damages Cap (With Felony Exception)

Texas Civil Practice & Remedies Code § 41.003 & § 41.008

Standard cap: Greater of $200,000 OR (2 × economic damages) + non-economic damages (capped at $750,000 for non-economic portion).

Felony Exception: NO CAP if underlying act is a felony. DWI causing serious injury (Intoxication Assault) or death (Intoxication Manslaughter) = NO CAP. Jury decides amount with no statutory limit.

Punitive damages for felony DWI are NOT dischargeable in bankruptcy (11 U.S.C. § 523(a)(6)).

UM/UIM Coverage

Texas Insurance Code § 1952.101

Insurers MUST offer uninsured/underinsured motorist coverage. You’re not required to buy it, but they must offer it in writing.

Critical facts most Denison drivers don’t know:

• UM/UIM covers you as a pedestrian and cyclist
• Stacking may be available across multiple household policies
• Critical for motorcycle and pedestrian cases where injuries exceed at-fault driver’s $30K limits

Product Liability (Strict Liability)

Manufacturers are strictly liable for defective products—no negligence required. Applies to:

• Defective brakes, tires, airbags, seatbelts
• Tesla Autopilot software
• Backup camera failures
• EV battery fires

Texas Tort Claims Act

Civil Practice & Remedies Code Chapter 101

Sovereign immunity is waived for injuries caused by government employee vehicle use, premise defects (potholes, missing signs), or defective public property.

Damage caps: State/county units = $250K per person / $500K per occurrence. Municipalities = $100K per person / $300K per occurrence.

6-month notice requirement is absolute. Miss it = claim barred.

Vicarious Liability & Respondeat Superior

Employers are liable for employee negligence committed within the scope of employment. Critical for: Trucking, delivery vehicles, rideshare (debatable), company cars.

Negligent Entrustment

Vehicle owners who lend to incompetent drivers are independently liable. Parents to teens, employers to unqualified drivers, rental companies to unlicensed drivers.

The legal framework is complex, but you don’t need to understand it all—that’s our job. Call 1-888-ATTY-911. We’ll apply the right legal doctrines to maximize your recovery.

Insurance Counter-Intelligence: Lupe Knows Their Playbook

We have an unfair advantage over every other personal injury firm in North Texas: Lupe Peña spent years working as an insurance defense attorney at a national defense firm. He learned firsthand how large insurance companies value claims, and now he uses that intelligence for you.

The Colossus Software Secret

Major insurers (Allstate, State Farm, Liberty Mutual) use Colossus—a computer program that algorithmically undervalues serious injuries. Adjusters input diagnosis codes and treatment types, and Colossus spits out a settlement range.

Lupe knows how Colossus is manipulated:

• Adjusters are trained to use the LOWEST possible injury codes
• Same injury coded as “soft tissue strain” vs “disc herniation” = 50-100% value difference
• Colossus artificially reduces multipliers for certain treatments
• Lupe knows which medical documentation triggers higher valuations

Reserve Psychology

When an insurance company opens your claim, they “set reserves”—money set aside for worst-case payout. The adjuster usually cannot settle above reserve without approval.

We INCREASE reserves by:

• Hiring experts early (accident reconstruction, medical, vocational)
• Taking depositions
• Filing lawsuit
• Preparing for trial

Lupe’s insider knowledge: He set reserves for years. He knows the approval thresholds and settlement authority limits for every major insurer.

The IME Doctor Scam

“Independent” Medical Exams aren’t independent. Insurance companies use the same doctors repeatedly because they give defense-friendly reports. These doctors are paid $2,000-$5,000 for a 10-15 minute exam.

Lupe hired these doctors for years. He knows their biases, their typical phrasing, and how to counter their reports with our own expert testimony.

Surveillance and Social Media Monitoring

Insurance companies have teams that monitor your social media, use facial recognition, and hire private investigators to video you. They’re not documenting your life—they’re building ammunition.

Lupe’s insider quote: “I’ve reviewed hundreds of surveillance videos and social media posts as defense attorney. They 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.”

This is why our 7 social media rules are non-negotiable. We protect you from their tactics.

Testimonial: Glenda Walker says, “They make you feel like family… They fought for me to get every dime I deserved.”

Insurance companies are not your friends. They’re building a case against you. But we know their playbook because Lupe wrote it. Call 1-888-ATTY-911 and turn their weapons against them.

Medical Knowledge: Understanding Your Injuries

We believe informed clients make better decisions. Here’s what you need to know about common car accident injuries:

Traumatic Brain Injury (TBI)

Immediate symptoms: Loss of consciousness (even seconds), confusion, vomiting, severe headache, dilated pupils, slurred speech.

Delayed symptoms (hours to days): Worsening headaches, repeated vomiting, seizures, personality changes, sleep disturbances, light/noise sensitivity, memory problems.

Classifications:

• Mild (Concussion): Brief LOC, may seem “fine” but serious long-term effects
• Moderate: LOC minutes-hours, lasting cognitive impairment
• Severe: Extended coma, permanent disability, lifetime care

Long-term consequences: CTE, post-concussive syndrome (10-15%), doubled dementia risk, depression (40-50%), seizure disorders.

Legal significance: Insurance claims delayed symptoms aren’t from the accident. Medical experts explain progression is NORMAL and expected.

Spinal Cord Injury

Level	Impact	Lifetime Cost
C1-C4 (High Cervical)	Quadriplegia, possible ventilator	$6M-$13M+
C5-C8 (Low Cervical)	Quadriplegia with some arm function	$3.7M-$6.1M+
T1-L5 (Paraplegia)	Lower body paralysis	$2.5M-$5.25M+

Complications: Pressure sores, respiratory failure (leading cause of death), bowel/bladder dysfunction, autonomic dysreflexia, depression (40-60%), shortened life expectancy (5-15 years).

Amputation

Types: Traumatic (severed at scene) vs Surgical (infection or crush injury, like our documented case).

Phantom limb pain: 80% of amputees experience it, often permanently debilitating.

Prosthetic costs: Basic $5K-$15K every 3-5 years. Advanced computerized $50K-$100K every 3-5 years. Lifetime total: $500K-$2M+.

Herniated Disc

Treatment progression: Acute (weeks 1-6, $2K-$5K) → Conservative PT (weeks 6-12, $5K-$12K) → Epidural injections ($3K-$6K) → Surgery if fails ($50K-$120K).

Permanent restrictions: Cannot return to physical labor, lost earning capacity, ongoing pain management.

Insurance undervalues this. They call it a “back sprain” until MRI proves disc herniation. Surgery increases case value from $15K-$60K to $346K-$1.2M+.

Soft Tissue Injuries

Whiplash, sprains, strains—insurance claims these are minor. But 15-20% develop chronic pain. Rotator cuff tears are often misdiagnosed as sprains. Proper documentation is CRITICAL.

PTSD and Psychological Injuries

• 32-45% of MVA victims develop PTSD symptoms
• Driving anxiety, panic attacks near accident location
• Sleep disturbances, nightmares, flashbacks
• Avoidance behaviors

These are compensable as mental anguish, emotional distress, and loss of enjoyment of life.

If you’re experiencing any of these symptoms after a Denison accident, call 1-888-ATTY-911. Proper medical documentation is essential for full compensation.

Why Choose Attorney911 for Your Denison Car Accident Case

With so many personal injury lawyers advertising in North Texas, why should you choose Attorney911? Because we offer advantages no other firm can match:

1. Former Insurance Defense Attorney—The Ultimate Insider Advantage

“Lupe Peña worked for a number of years at a national defense firm, learning firsthand how large insurance companies value claims.” He knows Colossus, reserve setting, IME doctor selection, surveillance tactics, and delay strategies. This is classified intelligence that wins cases.

2. BP Texas City Refinery Explosion Litigation Experience

“Our firm is one of the few firms in Texas to be involved in BP explosion litigation.” The 2005 explosion killed 15, injured 180+, and settled for $2.1 billion. This proves we can take on Fortune 500 companies and win.

3. Federal Court Admission

Both Ralph Manginello and Luque Peña are admitted to the U.S. District Court, Southern District of Texas. Federal court is essential for FMCSA trucking cases, Jones Act maritime claims, product liability against national manufacturers, and complex multi-state litigation.

4. Multi-Million Dollar Results—Proven Track Record

• Logging brain injury: Multi-million dollar settlement for brain injury with vision loss
• Car accident amputation: Multi-million dollar settlement after leg infection led to partial amputation
• Trucking wrongful death: Recovered millions for families
• Maritime back injury: Significant cash settlement after proving employer negligence

5. Trial Readiness—We Prepare Every Case for Court

Insurance companies know which attorneys actually try cases and which ones always settle cheap. Our preparation and track record of nuclear verdicts ($81M, $105M, $44M) means they take our demands seriously.

6. Real Client Communication

Testimonial: Brian Butchee says, “Melanie was excellent. She kept me informed and when she said she would call me back, she did. I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.”

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

7. Cases Others Reject—We Take the Challenge

Greg Garcia says, “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.”

CON3531 says, “They took over my case from another lawyer and got to working on my case.”

Beth Bonds says, “Ralph Manginello took his bogus case and had it dismissed within a WEEK! I have been trying for over 2 years.”

8. Spanish Language Services—Hablamos Español

Luque Peña is fluent in Spanish. Zulema, Mariela, and other staff provide translation. We serve Denison’s Hispanic community with no language barriers.

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

9. 27+ Years of Experience—Ralph Manginello’s Track Record

Licensed in Texas since 1998, admitted to New York Bar in 2014, HCCLA member, Million Dollar Member of Trial Lawyers Achievement Association, Pro Bono College of the State Bar of Texas.

Raised in Memorial Houston, UT Austin journalism graduate, deep Texas roots.

10. 24/7 Live Staff—Real People, Real Answers

Not an answering service. Real staff who can answer questions and get attorney involvement when needed.

11. No Fee Unless We Win—Zero Financial Risk

Contingency fee structure: 33.33% if settled before trial, 40% if trial is necessary. You pay nothing upfront. If we don’t win, you owe us nothing.

12. 4.9 Stars—251+ Google Reviews

Our reputation is built on results and client satisfaction.

13. Trae Tha Truth Endorsement

Houston’s community activist and hip-hop artist publicly recommends us. Jacqueline Johnson says, “One of Houston’s Great Men Trae Tha Truth has recommended this law firm. So if he is vouching for them then I know they do good work.”

14. Active High-Profile Cases

Our $10 million hazing lawsuit against University of Houston and Pi Kappa Phi fraternity (November 2025) shows we’re willing to take on major institutions and corporations.

15. Educational Authority

290+ educational videos published. Attorney 911 Podcast. We give knowledge first, obligation-free.

If you’ve been injured in a car accident in Denison, you have one chance to get this right. Choose the firm with insider knowledge, proven results, and the resources to take on billion-dollar insurance companies. Call 1-888-ATTY-911.

Frequently Asked Questions About Car Accidents in Denison

What should I do immediately after a car accident in Denison?

First, ensure safety and call 911. Get medical attention even if you feel okay—adrenaline masks injuries. Document everything with photos and witness info. DO NOT give a recorded statement to insurance. Call Attorney911 at 1-888-ATTY-911 before talking to any adjuster. Watch our video on what to do first after an accident: https://www.youtube.com/watch?v=OCox4Lq7zBM

How much time do I have to file a lawsuit in Texas?

Two years from the accident date for personal injury (Texas Civil Practice & Remedies Code § 16.003). Six months if a government entity is involved (Texas Tort Claims Act). Two years for wrongful death. These deadlines are absolute—miss them and your case is barred forever.

What if the other driver was drunk?

You have powerful options. In addition to their insurance, you can file a Dram Shop claim against the bar that overserved them (Texas Alcoholic Beverage Code § 2.02). If they’re charged with felony DWI, punitive damages have no cap and are not dischargeable in bankruptcy. We handle both the criminal and civil aspects.

Should I accept the insurance company’s first settlement offer?

Never. The first offer is typically 10-20% of your case’s true value. Once you sign a release, you cannot go back for more money even if you need surgery later. Our client who had a leg amputation after infection initially received a $75,000 offer. We rejected it and settled for multi-millions. Get a lawyer before accepting any offer.

What if I was partially at fault?

Texas uses modified comparative negligence. You can recover if you’re 50% or less at fault, but your compensation is reduced by your fault percentage. If you’re 25% at fault on a $100,000 case, you receive $75,000. At 51% fault, you get $0. Insurance companies always try to inflate your fault percentage—we fight every point.

How much does a car accident lawyer cost?

Nothing upfront. We work on contingency—33.33% if settled before trial, 40% if trial is necessary. If we don’t win, you owe us nothing. You may still be responsible for court costs and case expenses, but we advance those and they’re taken from settlement. Learn more in our video: https://www.youtube.com/watch?v=upcI_j6F7Nc

Who will handle my case?

Ralph Manginello oversees all cases. Luque Peña handles many directly. You’ll also work with dedicated case managers like Leonor, who clients consistently praise. As Brian Butchee says, “I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.”

What if I have a pre-existing condition?

The Eggshell Plaintiff rule protects you. The defendant takes you as you find them. If the accident worsened a pre-existing condition, you’re entitled to full compensation for the worsening. Insurance argues it’s all pre-existing—we prove aggravation with medical experts.

Can my car insurance cover me as a pedestrian?

YES—this is the most underutilized coverage in Texas. Your UM/UIM (uninsured/underinsured motorist) coverage protects you when you’re walking, biking, or a passenger in someone else’s car. Most pedestrians don’t know this. Watch our UM/UIM video: https://www.youtube.com/watch?v=kWcNFyb-Yq8

What if the other driver fled (hit-and-run)?

Your UM coverage is the primary recovery source. We also investigate to identify the driver through surveillance footage, witness statements, and vehicle debris. Surveillance footage deletes in 7-30 days—call immediately.

Will my case go to trial?

Most cases settle, but we prepare EVERY case for trial. This preparation is what forces insurance companies to offer fair settlements. If they don’t, we’re ready. Our trial readiness and nuclear verdict track record gives us leverage in negotiations.

Can I switch attorneys if I’m unhappy with my current one?

Yes. Greg Garcia says, “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” CON3531 adds, “They took over my case from another lawyer and got to working on my case.” We’ll handle the transition smoothly.

What if I was hit by a commercial truck or 18-wheeler?

These cases are worth exponentially more due to federal regulations and higher insurance limits ($750K-$5M+). We investigate FMCSA violations, ELD data, driver qualifications, and the “deep pocket chain” including carriers, brokers, and shippers. Call immediately—ELD data deletes in 30-180 days.

Can undocumented immigrants file claims?

YES. Immigration status does not affect your right to compensation for injuries. We represent all members of the Denison community. Hablamos Español.

What if I was a passenger in the at-fault vehicle?

You can still file a claim against the driver’s insurance. This includes UM/UIM if the driver was uninsured. Many clients worry about suing a friend or family member, but that’s what insurance is for. We handle it professionally.

How long will my case take?

Simple cases with clear liability may settle in 6-9 months. Complex cases with serious injuries or disputed liability can take 12-24 months. Chavodrian Miles says, “Leonor got me into the doctor the same day… it only took 6 months amazing.” Tymesha Galloway adds, “Leonor is the best!!! She was able to assist me with my case within 6 months.”

What should I avoid posting on social media?

DO NOT post about: the accident, your injuries, medical treatment, legal case, activities, vacations, or anything suggesting you’re “fine.” Insurance monitors everything. Watch our video: https://www.youtube.com/watch?v=r3IYsoxOSxY

Do I have to see the insurance company’s doctor?

No. Their “independent” medical exam is a defense tactic. We arrange for you to see qualified treating physicians who document your injuries properly. Luque knows IME doctors’ biases from hiring them.

What if I can’t afford medical treatment?

We connect clients with top medical providers who work on a lien basis—you get treated now, they get paid from settlement. This ensures consistent treatment without upfront costs. Leonor excels at this—Chavodrian Miles says she got him into a doctor the same day.

How is pain and suffering calculated?

We use the multiplier method: medical expenses × multiplier (1.5-5+) + lost wages + property damage. Multiplier depends on injury severity, clear liability, and permanency. Luque knows how insurance companies calculate this from the inside.

What makes Attorney911 different from other firms?

Three things: 1) Luque’s insurance defense background gives us classified intelligence, 2) Ralph’s 27+ years and BP explosion experience proves we can handle complex cases, 3) We answer 24/7 with real staff and provide consistent communication. Dame Haskett says, “Consistent communication and not one time did i call and not get a clear answer… Ralph reached out personally.”

Should I hire a lawyer for a minor accident?

Even “minor” accidents can have hidden injuries that surface weeks later. Soft tissue injuries can develop into herniated discs requiring surgery. A free consultation costs nothing and protects your rights. No fee unless we win.

Can I file a claim without a lawyer?

Technically yes, but insurance companies take advantage of unrepresented victims. Our video explains why this is risky: https://www.youtube.com/watch?v=XE3ogh7Yc8E

What if my injuries don’t seem that bad right after the accident?

Delayed symptoms are common and dangerous. Brain bleeds, internal bleeding, and spinal injuries may not show symptoms for hours or days. Always get checked immediately. Adrenaline masks pain. We educate clients on warning signs to watch for.

How do I know if I have a good case?

Our video “Do I Have a Good Case?” explains the factors: https://www.youtube.com/watch?v=j-PMMP5Jims . During your free consultation, we’ll evaluate liability, damages, and insurance coverage to give you an honest assessment.

What if I was hit by a government vehicle (city bus, police car, TxDOT)?

You have a 6-month notice requirement under the Texas Tort Claims Act. Miss it and your claim is barred. These cases have damage caps but are still valuable. Call immediately.

Can I get compensation if I lost a loved one in a fatal crash?

Yes. Wrongful death claims allow surviving spouses, children, and parents to recover for loss of companionship, financial support, and emotional suffering. Texas had 4,150 traffic deaths in 2024—we help families navigate these tragic cases.

Will my insurance rates go up if I file a UM/UIM claim?

No. You’re making a claim against coverage you paid for when the other driver was uninsured or underinsured. This is “no-fault” coverage. Insurance cannot raise your rates for using it.

What is subrogation and how does it affect my settlement?

Subrogation is your health insurer’s right to be reimbursed from your settlement for what they paid for accident-related treatment. We negotiate these liens DOWN, often by 30-50%, to put more money in your pocket.

How do I get my vehicle repaired or replaced?

We handle property damage claims as part of your case. Insurance companies often lowball vehicle values. We fight for fair market value or replacement cost. Keep all repair estimates and rental car receipts.

Can I get a rental car while mine is being repaired?

Yes, the at-fault driver’s insurance should provide a comparable rental. If they delay, we’ll pressure them. Keep all rental receipts for reimbursement.

What if the insurance adjuster is ignoring me?

This is a common delay tactic. Once we represent you, all communication must go through us. We file lawsuits to force court-ordered deadlines when insurance companies stall.

How do I pay my bills while waiting for settlement?

We can help connect you with funding options, but be wary of lawsuit loans with high interest. The best approach is consistent medical treatment on a lien basis while we push for early partial settlement of medical bills.

What happens during a deposition?

A deposition is sworn testimony where the other side’s lawyer asks questions. We’ll prepare you thoroughly. Our video “Will Your Case Go to Trial?” explains the process: https://www.youtube.com/watch?v=2Ed5AnmCMcc

Can I refuse to give a recorded statement?

YES. You are NOT required to give a recorded statement to the other driver’s insurance. Only give statements to your own insurer, and even then, have us present. Recorded statements are traps.

What is the difference between economic and non-economic damages?

Economic = medical bills, lost wages (quantifiable). Non-economic = pain and suffering, mental anguish (subjective). Both are compensable. Texas has NO CAP on non-economic damages except medical malpractice.

How do I document my pain and suffering?

Keep a daily pain journal. Note pain levels (1-10), medications taken, activities you cannot do, sleep disturbances, emotional struggles. Photograph visible injuries over time. This documentation dramatically increases non-economic damages.

What if I’m self-employed and can’t work?

We calculate lost income through tax returns, 1099s, contracts, and business records. For future lost earning capacity, we hire economic experts to project losses. Self-employment doesn’t bar recovery.

Can I sue if the airbag didn’t deploy?

Yes. This is a product liability claim against the vehicle or airbag manufacturer. We investigate whether the airbag should have deployed based on crash forces and sensor data.

What is the #1 mistake that hurts car accident cases?

Giving a recorded statement to insurance without a lawyer. This single mistake costs victims tens of thousands of dollars. Always call 1-888-ATTY-911 first.

Still have questions? Call 1-888-ATTY-911 anytime. We answer 24/7 and provide free consultations.

The Evidence That Wins Denison Car Accident Cases

The difference between a good settlement and a great settlement is evidence. Here’s what we preserve and how:

Physical Evidence

• Vehicle damage: Don’t repair until we’ve documented everything. Damage pattern proves crash forces and severity.
• Skid marks, debris, road conditions: Fades within days. We photograph and measure immediately.
• Damaged personal items: Clothing, glasses, phone—all prove impact severity.

Documentary Evidence

• Police report: We obtain and review for errors or omissions.
• 911 recordings: Often capture immediate admissions or witness statements.
• Medical records: Every treatment note, MRI, prescription. We ensure proper coding for maximum value.
• Employment records: Prove lost wages and earning capacity.
• Cell phone records: Prove distracted driving if subpoenaed quickly.

Electronic Evidence (Time-Critical)

• Surveillance footage: Gas stations (7-14 days), retail (30 days), traffic cameras (30 days). DELETED FOREVER if we don’t preserve it.
• Vehicle black box/EDR: Records speed, braking, seatbelt use before crash. Must be downloaded before vehicle is destroyed.
• Trucking ELD data: 30-180 day deletion window. Our preservation letter stops deletion.
• Tesla/EV data: Autopilot logs, camera footage, sensor data.
• Social media: We monitor (and tell you to make private). Insurance monitors more aggressively.

Testimonial Evidence

• Witness statements: Memory fades within weeks. We interview immediately.
• Expert witnesses: We hire accident reconstructionists, medical experts, economists, life care planners, vocational experts, biomechanical engineers, and trucking industry experts.

Preservation Letters

Within 24 hours of hiring us, we send legally binding letters to all parties requiring evidence preservation. This stops automatic deletion and creates liability for spoliation if they destroy evidence anyway.

Our video on using your cellphone to document your case: https://www.youtube.com/watch?v=LLbpzrmogTs

Testimonial: Nina Graeter says, “Highly recommend! They moved fast and handled my case very efficiently.”

The clock is ticking on your evidence. Call 1-888-ATTY-911 now.

About Attorney911: The Manginello Law Firm

We’re not a settlement mill. We’re not a billboard factory. We’re a boutique personal injury firm with the resources and trial experience to take on billion-dollar corporations while providing the personal attention your family deserves.

Ralph Peter Manginello—Managing Partner

• 27+ years licensed in Texas (1998)
• Admitted to U.S. District Court, Southern District of Texas and New York Bar (2014)
• BP Texas City Refinery explosion litigation ($2.1 billion case)
• $10 million hazing lawsuit against University of Houston (active 2025)
• UT Austin B.A. in Journalism (storytelling for trial advocacy)
• Raised in Memorial Houston, deep Texas roots
• HCCLA member (handles criminal + civil—critical for DWI accidents)
• Million Dollar Member, Trial Lawyers Achievement Association
• Pro Bono College of the State Bar of Texas

Luque Eleno Peña—Associate Attorney, Insurance Defense Insider

• 13+ years licensed in Texas (2012)
• Admitted to U.S. District Court, Southern District of Texas
• Former insurance defense attorney—knows claim valuation, Colossus, IME doctors, delay tactics
• 3rd generation Texan with King Ranch family roots
• Fluent Spanish speaker—serves Denison’s Hispanic community
• Practices personal injury, commercial litigation, wrongful death, dram shop, trucking

Our Team: The Human Element

Leonor (Leo): Case manager/paralegal praised in 80+ reviews. “Leonor got me into the doctor the same day… it only took 6 months amazing.” —Chavodrian Miles

Zulema: Bilingual staff providing Spanish translation services. “Especially Miss Zulema, who is always very kind and always translates.” —Celia Dominguez

Melanie, Mariela, Amanda, Mia: Dedicated staff who keep you informed and fight for you.

Our Results Speak for Themselves

• Multi-million dollar brain injury settlement
• Multi-million dollar amputation settlement
• Millions in trucking wrongful death recoveries
• Significant maritime injury settlement
• BP explosion litigation ($2.1B total case)
• $10M active hazing lawsuit
• 3 DWI dismissals documented

Our Promise to Denison Families

• 24/7 availability: Real staff, not answering service
• Consistent communication: Dame Haskett says, “not one time did i call and not get a clear answer”
• Personal involvement: Ralph personally reaches out
• Family atmosphere: Chad Harris says, “you are FAMILY to them”
• Fast action: Chavodrian Miles—6 months. Nina Graeter—”moved fast”

Our Reach

Primary office: Houston, Texas (1177 West Loop S, Suite 1600, Houston, TX 77027)
Austin office: Serving Travis, Williamson, Hays, Bastrop
Beaumont office: Serving Jefferson, Orange, Hardin (Golden Triangle)

We serve ALL of Texas, including Denison and Grayson County. We offer remote consultations and travel to you for case meetings.

Our Community Commitment

• Big Brothers/Big Sisters of Houston volunteer
• Annual pro bono work
• 290+ educational videos published
• Attorney 911 Podcast (Apple Podcasts: https://podcasts.apple.com/bj/podcast/attorney-911/id1773141988 )

When you hire Attorney911, you’re hiring a firm with the experience to take on billion-dollar corporations and the heart to treat you like family. Call 1-888-ATTY-911.

Serving All of Denison and Grayson County

Whether you’re in downtown Denison, near Lake Texoma, in the industrial district off US 75, or in surrounding communities, we’re here for you.

Denison Areas We Serve:

• Downtown Denison
• Waterloo Lake area
• Lake Texoma shoreline communities
• Industrial district (US 75 corridor)
• Northwestern Denison (FM 120 area)
• Loy Lake Road corridor
• Crawford Street historic district

Surrounding Grayson County Communities:

• Sherman (county seat, 10 miles south)
• Pottsboro (north, near Lake Texoma)
• Howe (southwest)
• Van Alstyne (south)
• Whitewright (east)
• Collinsville (west)
• Gordonville (north)

Major Highways and Danger Zones in Denison:

• US Highway 75: Primary north-south corridor, heavy truck traffic, frequent rear-ends
• US Highway 69: Major freight route, dangerous intersections
• State Highway 91: Connects Denison to Pottsboro
• State Highway 120: East-west route, construction zones
• FM 691: Rural two-lane, high-speed danger
• FM 1417: Approaches to Lake Texoma

Key Intersections:

• US 75 & FM 120 (industrial area)
• US 75 & Spur 503 (downtown)
• US 69 & Loy Lake Road (commercial zone)

Level I Trauma Centers (Nearest):

• Medical City Plano (50 miles south)
• Parkland Memorial Hospital, Dallas (70 miles south)

Level II Trauma Centers:

• Texoma Medical Center, Denison (local)
• Wilson N. Jones Regional Medical Center, Sherman (12 miles)

We know Denison’s roads, intersections, and local medical providers. This local knowledge helps us build stronger cases.

Ready to Fight for You: Contact Attorney911 Today

You’ve been through enough. The pain, the medical bills, the insurance company calls, the uncertainty about your future. Let us take this burden off your shoulders.

At Attorney911, we don’t just handle cases—we change lives. As Stephanie Hernandez says, “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.”

Here’s what happens when you call 1-888-ATTY-911:

1. Real person answers 24/7—no voicemail, no answering service
2. Free consultation with an experienced attorney
3. Immediate action plan—we’ll tell you exactly what to do next
4. Evidence preservation within 24 hours to stop deletion
5. Medical provider connection if you need treatment
6. Insurance communication shutdown—all calls go through us
7. Case investigation begins immediately
8. Regular updates every 2-3 weeks as promised in our video: https://www.youtube.com/watch?v=BGer2miAgv4

Office Information:

The Manginello Law Firm, PLLC
Operating as: Attorney911 — Legal Emergency Lawyers™
Houston (Primary): 1177 West Loop S, Suite 1600, Houston, TX 77027
Austin: Serving Travis and surrounding counties
Beaumont: Serving Jefferson, Orange, Hardin

Direct: (713) 528-9070
Cell: (713) 443-4781
Emergency Hotline: 1-888-ATTY-911 (1-888-288-9911)
Email: ralph@atty911.com | lupe@atty911.com

Our Online Presence:

Website: https://attorney911.com
YouTube: 291 educational videos— https://www.youtube.com/@Manginellolawfirm
Podcast: Attorney 911 The Podcast— https://podcasts.apple.com/bj/podcast/attorney-911/id1773141988
Google Reviews: 4.9 stars (251+ reviews)
BBB: Accredited since 2008, business started 2001

Hablamos Español

Luque Peña and our bilingual staff serve Denison’s Spanish-speaking community. No language barriers, no confusion—just clear communication and aggressive representation.

Our Commitment to Denison

We may be based in Houston, but we’ve built our reputation serving families across Texas—from the Ship Channel to the Panhandle, from the Gulf Coast to the Red River. Denison deserves the same high-quality representation as major metros.

No fee unless we win.
Free consultation.
24/7 availability.
Real results.
Hablamos Español.
Insurance insider advantage.

The Next Step Is Yours

You’ve done the research. You know the data. You understand the insurance tactics. You’ve seen our results. Now it’s time to make the call that changes everything.

Don’t let insurance companies take advantage of you.
Don’t let evidence disappear.
Don’t wait until it’s too late.

Call 1-888-ATTY-911 now.
The consultation is free.
We don’t get paid unless we win.
You’ve got nothing to lose and everything to gain.

Attorney911—Legal Emergency Lawyers™
Fighting for Denison families. Ready when you need us.

Disclaimer: Every case is unique. Past results do not guarantee future outcomes. The information provided is for educational purposes and does not constitute legal advice. Contact Attorney911 directly for advice about your specific situation. Principal office located in Houston, Texas.