Motor Vehicle Accidents in Killeen, Texas: Your Guide to Justice and Recovery

If you’ve been injured in a car accident in Killeen, Texas, you’re not alone. With over 251,977 people injured in Texas motor vehicle crashes last year—one every 57 seconds—our roads remain dangerous. At Attorney911, we’ve been fighting for accident victims in Killeen, Harker Heights, Copperas Cove, and across Bell County for more than 25 years. When you call 1-888-ATTY-911, you’re reaching a legal emergency line staffed by experienced attorneys who understand the unique challenges of Central Texas accidents—from collisions on I-35 to crashes at busy intersections like Clear Creek Road and Stan Schlueter Loop.

Why Killeen Accidents Demand Experienced Legal Representation

Killeen’s mix of military traffic from Fort Cavazos (formerly Fort Hood), commercial vehicles serving the region, and local commuters creates complex accident patterns. Whether you were rear-ended on Highway 190, sideswiped in a parking lot at Killeen Mall, or injured by a distracted driver near the Killeen-Fort Hood Regional Airport, our team knows how to navigate the local legal landscape. Ralph Manginello’s 25+ years of experience and federal court admission mean we’re prepared to handle even the most complex cases—including those against government entities or large corporations.

The Reality of Car Accidents in Bell County

In 2024 alone, Texas saw:

• 1 crash every 57 seconds
• 1 person injured every 2 minutes and 5 seconds
• 4,150 fatalities statewide

Bell County’s unique traffic patterns—with military personnel, commercial trucks, and local drivers sharing the roads—create specific accident risks. Common causes in our area include:

• Distracted driving (especially near shopping centers and military housing)
• Speeding on I-35 and Highway 190
• Failure to yield at busy intersections
• Drunk driving incidents near entertainment districts
• Military vehicle accidents near Fort Cavazos

Common Injuries We See in Killeen Accidents

Car accidents can cause a wide range of injuries, from minor to life-altering:

Soft Tissue Injuries:

• Whiplash (neck strain)
• Back sprains and strains
• Shoulder injuries

Serious Trauma:

• Herniated or bulging discs
• Broken bones and fractures (arms, legs, ribs, pelvis)
• Traumatic brain injuries (TBI)
• Spinal cord injuries
• Internal organ damage
• Burns and lacerations

Long-Term Consequences:

• Chronic pain
• Permanent disability
• Post-traumatic stress disorder (PTSD)
• Loss of earning capacity

One of our recent clients suffered a leg injury in a Killeen car accident that developed complications during treatment, leading to a partial amputation. This case settled in the millions—proof that we don’t accept lowball offers from insurance companies.

The Insurance Company Playbook: What They Won’t Tell You

Insurance adjusters may seem friendly, but their goal is to pay you as little as possible. Lupe Peña, our associate attorney who previously worked for a national insurance defense firm, knows their tactics inside and out. Here’s what they’re really doing while you recover:

1. The Quick Contact Trap

Within hours of your accident, you’ll likely receive a call from the other driver’s insurance company. They’ll sound concerned and helpful, but their goal is to get you to say something that hurts your case. Common questions they ask:

• “You’re feeling better now though, right?” (They want you to minimize your injuries)
• “It wasn’t that bad of an impact, was it?” (They’re trying to downplay the accident severity)
• “Were you distracted at all?” (They’re fishing for ways to blame you)
• “How fast were you going?” (They hope you’ll overestimate or say “I don’t know”)

What to do instead: Say, “I need to speak with my attorney first.” Then call Attorney911 at 1-888-ATTY-911. We’ll handle all communications with the insurance company.

2. The Quick Cash Offer

Within days or weeks, you may receive a settlement offer—often for just a few thousand dollars. It might sound good when you’re facing medical bills and lost wages, but accepting it could cost you hundreds of thousands.

The trap: You don’t know the full extent of your injuries yet. What seems like minor pain could be a herniated disc requiring surgery. Once you sign a release, you can’t go back for more money—even if you need additional treatment.

3. The “Independent” Medical Exam Scam

After a few months, the insurance company may ask you to see one of “their” doctors for an “independent” medical exam (IME). Don’t be fooled—these doctors are hired and paid by the insurance company to minimize your injuries.

What really happens:

• The exam lasts just 10-15 minutes
• They rarely review your complete medical records
• They ask leading questions designed to get you to say you’re feeling better
• They often claim your injuries are “pre-existing” or “not related to the accident”

Lupe Peña knows this tactic well—he used to hire these same doctors when he worked for the insurance companies. Now, he knows how to counter their reports with our own medical experts.

4. Surveillance and Social Media Stalking

Insurance companies hire private investigators to follow accident victims. They’ll:

• Video you doing everyday activities
• Monitor all your social media accounts
• Look for any activity that contradicts your injury claims
• Even a photo of you smiling at a family gathering can be used against you

Real example: One of our clients was filmed walking his dog slowly. The insurance company claimed this proved he wasn’t disabled. In reality, his doctor had recommended short walks for rehabilitation. We successfully argued that this activity actually supported his recovery process.

5. Delay, Deny, Defend

Insurance companies drag out cases hoping you’ll get desperate and accept a low offer. They’ll:

• Claim they’re still “investigating”
• “Lose” your medical records
• Take weeks to respond to simple questions
• Hope you’ll give up or settle cheap

The truth: While you’re struggling with bills and pain, they’re earning interest on your settlement money. We don’t let them get away with these tactics.

6. The Comparative Fault Game

Texas uses a 51% bar rule for comparative negligence. If you’re found to be 51% or more at fault, you get nothing. Even if you’re 50% or less at fault, your compensation is reduced by your percentage of fault.

How they manipulate this:

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

Lupe knows these arguments because he made them for years—now he defeats them for our clients.

How We Counter Insurance Company Tactics

Having a former insurance defense attorney on our team gives us an unfair advantage. Lupe Peña spent years working for insurance companies, learning:

• How they value claims (using software called Colossus)
• How they set reserves (the maximum they’re willing to pay)
• Which doctors they hire for IMEs (he’s hired many of them)
• Their delay tactics and how to counter them
• How to present medical records to maximize claim value

Here’s how we use this insider knowledge for our clients:

1. We anticipate their moves before they make them
2. We know how to code injuries in medical records to trigger higher valuations in Colossus
3. We counter IME reports with our own medical experts
4. We push for higher reserves by showing we’re prepared to go to trial
5. We don’t accept lowball offers because we know what cases are really worth

The Attorney911 Difference: Why We’re the Right Choice for Killeen Accidents

When you’re injured in a car accident, you need more than just a lawyer—you need a team that will fight for every dollar you deserve. Here’s what sets us apart:

1. Insurance Defense Insider Knowledge

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

This isn’t just a credential—it’s a game-changer. While other firms guess at how insurance companies operate, we know because we’ve been on the inside. Lupe’s experience allows us to:

• Value cases more accurately
• Counter insurance company arguments effectively
• Negotiate from a position of strength
• Know when to push for trial

2. Multi-Million Dollar Results

Our track record speaks for itself:

• Brain injury with vision loss: Multi-million dollar settlement for a client injured when a log dropped on him at a logging company
• Car accident amputation: 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.
• Trucking wrongful death: We’ve helped numerous families facing trucking-related wrongful death cases recover millions in compensation
• Maritime back injury: Our client injured his back while lifting cargo on a ship. Our investigation revealed he should have been assisted in this duty, leading to a significant cash settlement.

As client Glenda Walker said: “They make you feel like family and even though the process may take some time, they make it feel like a breeze. They fought for me to get every dime I deserved.”

3. Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas. This matters because:

• Complex cases often end up in federal court
• FMCSA trucking regulations are federal
• Diversity jurisdiction applies when parties are from different states
• Federal court requires different skills than state court

Our involvement in BP explosion litigation further demonstrates our capability to handle complex cases against large corporations.

4. Personal Attention You Won’t Find at Big Firms

At Attorney911, you’re not just a case number. As client Chad Harris put it:

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

Here’s what our clients consistently praise:

• Communication: “Consistent communication and not one time did I call and not get a clear answer.” – Dame Haskett
• Responsiveness: “Melanie was excellent. She kept me informed and when she said she would call me back, she did.” – Brian Butchee
• Compassion: “When I felt I had no hope or direction, Leonor reached out to me…She took all the weight of my worries off my shoulders.” – Stephanie Hernandez

5. Contingency Fee – No Risk to You

We work on a contingency fee basis, which means:

• No upfront costs
• No hourly fees
• We advance all case expenses
• You pay nothing unless we win your case
• Free consultation to discuss your case

As client Donald Wilcox experienced: “One company said they would not accept my case. Then I got a call from Manginello…I got a call to come pick up this handsome check.”

Common Types of Motor Vehicle Accidents in Killeen

Car Accidents (Tier 1 – Most Common)

Car accidents are the most common type of motor vehicle accident in Killeen, ranging from minor fender-benders to catastrophic collisions. In 2024, Texas saw 251,977 people injured in car crashes—one every 2 minutes and 5 seconds.

Common causes in Killeen:

• Distracted driving (especially near shopping centers and military housing)
• Speeding on I-35, Highway 190, and Stan Schlueter Loop
• Failure to yield at busy intersections
• Drunk driving (particularly near entertainment districts)
• Rear-end collisions on congested roads
• Weather-related accidents (sudden Central Texas storms)

Common injuries:

• Whiplash and soft tissue injuries
• Herniated discs
• Broken bones (arms, legs, ribs)
• Traumatic brain injuries (TBI)
• Spinal cord injuries
• Internal organ damage

What to do after a Killeen car accident:

1. Call 911 and report the accident
2. Seek medical attention immediately (adrenaline can mask injuries)
3. Document everything: photos of damage, injuries, scene
4. Exchange information with other driver(s)
5. Get witness names and contact information
6. Do NOT give a recorded statement to any insurance company
7. Call Attorney911 at 1-888-ATTY-911

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.”

18-Wheeler/Trucking Accidents (Tier 1 – Most Dangerous)

Killeen’s location along I-35 and Highway 190 makes it a major trucking corridor. In 2024, Texas saw 39,393 commercial motor vehicle crashes, resulting in 608 fatalities and 1,601 serious injuries. Texas accounts for 11% of all fatal truck crashes nationwide.

Why trucking accidents are more severe:

• Trucks weigh up to 80,000 lbs vs. 4,000 lbs for passenger cars
• Longer stopping distances
• Larger blind spots
• Higher centers of gravity (rollover risk)
• Potential for hazardous cargo spills

FMCSA regulations (Federal Motor Carrier Safety Administration):
Trucking companies and drivers must follow strict federal regulations:

• Hours of Service (HOS): Drivers can work no more than 14 hours in a day, with a maximum of 11 hours driving after 10 consecutive hours off-duty
• 30-minute break: Required after 8 cumulative hours of driving
• 60/70-hour limit: Cannot drive after 60/70 hours on duty in 7/8 consecutive days
• Electronic Logging Devices (ELDs): Mandatory since 2019 to track driving time
• Drug and alcohol testing: Pre-employment, random, post-accident, and reasonable suspicion
• Vehicle maintenance: Regular inspections and maintenance required

Why these cases are complex:

• Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
• Higher insurance limits ($750,000 to $5,000,000+ policies)
• Federal court experience often required
• Electronic data (ELDs, black boxes) can be overwritten if not preserved
• Trucking companies often destroy evidence if not preserved immediately

Nuclear verdicts in Texas trucking cases:

• 2024 Oncor Electric: $37.5M verdict (distracted truck driver)
• 2024 New Prime I-35 pileup: $44.1M verdict (6 deaths)
• 2024 Ben E. Keith (Fort Worth): $35M settlement
• 2024 Lopez v. All Points 360 (Amazon): $105M verdict

Attorney911 advantage:

• Federal court admission (Southern District of Texas)
• BP explosion litigation experience (taking on billion-dollar corporations)
• Documented results: “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”

Urgency: ELD data can be automatically overwritten in 30-180 days. Call 1-888-ATTY-911 immediately to preserve critical evidence.

Drunk Driving Accidents (Tier 1 – Preventable Tragedies)

In 2024, Texas saw 1,053 alcohol-impaired driving deaths—25.37% of all traffic fatalities. With 24,000+ DWI-related crashes in Texas annually, drunk driving remains a serious problem in Killeen, particularly near bars and entertainment districts.

Texas law (Texas Penal Code § 49.04):

• Legally intoxicated at 0.08% BAC (blood alcohol concentration)
• Commercial drivers: 0.04% BAC
• Under 21: Any detectable alcohol is illegal

Dram Shop Liability (Texas Alcoholic Beverage Code § 2.02):
Bars, restaurants, and other establishments can be held liable if they serve alcohol to someone who is “obviously intoxicated” and that person then causes an accident.

Signs of obvious intoxication:

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

Potentially liable parties:

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

Why these cases are valuable:

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

Attorney911 advantage:

• Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA)
• We handle both criminal defense and civil claims
• Documented DWI case dismissals show our investigation capabilities:
  • Case 1: Breathalyzer machine improperly maintained – dismissed
  • Case 2: No breath or blood test, missing EMS and hospital notes – dismissed day of trial
  • Case 3: Video evidence showed client not drunk – dismissed

Punitive damages: Drunk driving cases often qualify for punitive damages, which are capped at the greater of $200,000 or 2x economic damages plus 1x non-economic damages (capped at $750,000 for non-economic portion).

Motorcycle Accidents (Tier 1/2 – High Risk in Central Texas)

Texas saw 585 motorcyclist fatalities in 2024, with 37% not wearing helmets. Harris County leads the state in motorcycle fatalities, but Bell County sees its share of serious motorcycle accidents, particularly on scenic routes and during warm weather months.

Texas helmet law:

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

High-risk demographics:

• 25-44 age group at highest risk
• 90%+ of fatal victims are male
• Helmets reduce death risk by 37%

Common causes in Killeen:

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

Comparative negligence issue:
Texas’ 51% bar rule is particularly important for motorcyclists. Insurance companies ALWAYS try to blame the rider. Lupe’s experience helps counter these arguments—he knows how they think because he made these arguments for years.

Case result: While we don’t have a specific motorcycle case result to share, our firm has recovered millions for clients with catastrophic injuries similar to those suffered in motorcycle accidents.

Pedestrian Accidents (Tier 1/2 – Vulnerable Road Users)

In 2024, Texas saw 6,095 pedestrian crashes resulting in 768 fatalities. Pedestrians account for just 1% of crashes but 19% of all roadway deaths. Killeen’s mix of military personnel, students, and local residents creates pedestrian risks, particularly near:

• Fort Cavazos gates
• Central Texas College and Texas A&M University-Central Texas
• Killeen Mall and surrounding shopping areas
• Downtown Killeen
• Residential neighborhoods

Critical legal point:
Pedestrians ALWAYS have the right-of-way at intersections under Texas law—even at unmarked crosswalks. Many drivers don’t know this. “Anytime there’s an intersection of two streets, the distance between them is a crosswalk” even if unmarked.

Common injuries:

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

Why these cases are complex:

• Insurance companies often blame pedestrians
• Comparative negligence arguments are common
• Severe injuries often result in high medical bills
• Wrongful death claims may be involved

Attorney911 advantage:

• We know how to prove driver negligence
• We understand the right-of-way laws that protect pedestrians
• We have experience with catastrophic injury cases

Rideshare Accidents (Tier 1/2 – Uber/Lyft in Killeen)

With Killeen’s growing population and military community, rideshare services like Uber and Lyft are increasingly common. However, rideshare accidents present unique insurance challenges.

Industry scale (2024):

• 11 billion rideshare trips in the US since 2010
• 17.4 million Uber trips daily
• 118 million Uber users worldwide

CRITICAL: Rideshare Insurance Phases

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

Why this matters:
Insurance coverage varies DRAMATICALLY based on what the driver was doing at the moment of the crash. This creates complex claims situations that require experienced legal representation.

Who can be injured:

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

Why these cases are complex:

• Determining which insurance policy applies
• Proving the driver’s status at time of accident
• Multiple insurance companies may be involved
• Rideshare companies often deny liability

Attorney911 advantage:

• Lupe’s insurance knowledge helps navigate the coverage maze
• We know how to determine which insurance phase applies
• We have experience with rideshare accident claims

Hit and Run Accidents (Tier 2 – Common in Killeen)

Hit and run accidents occur every 43 seconds in the US. In Texas, these are serious crimes with severe penalties:

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

UM/UIM Coverage is Critical:

• UM/UIM (Uninsured/Underinsured Motorist) coverage pays when the at-fault driver is unidentified
• Texas allows inter-policy stacking (combining coverage from multiple vehicles)
• Standard UM/UIM deductible: $250

Evidence urgency:

• Surveillance footage deleted in 7-30 days
• Witnesses disperse quickly
• Police reports may not identify the at-fault driver
• Call Attorney911 immediately: 1-888-ATTY-911

What we do for hit and run victims:

• Send preservation letters to businesses for surveillance footage
• Canvas the area for witnesses
• Work with police to identify the at-fault driver
• Pursue UM/UIM claims against your own insurance
• Investigate all possible sources of recovery

Case result: While we don’t have a specific hit and run case result, our firm has successfully recovered compensation for hit and run victims through UM/UIM claims.

Tesla/Autopilot/FSD Accidents (Tier 2 – Emerging Issue)

As electric vehicles become more common in Killeen, accidents involving Tesla’s Autopilot and Full Self-Driving (FSD) systems are increasing. These cases present unique legal challenges.

Notable fatal Autopilot crashes:

• May 2016, Williston FL: Joshua Brown killed when Autopilot failed to detect a white 18-wheeler
• March 2018, Mountain View CA: Apple engineer Walter Huang killed (settled April 2024)
• Dec 2024, California: Genesis Mendoza killed in active lawsuit
• Aug 2025, Miami FL: $240M+ jury verdict against Tesla (landmark case)

Key liability arguments:

1. Misrepresentation: Tesla marketed FSD/Autopilot as safer than human drivers
2. Overconfidence: Marketing fostered driver overreliance on the system
3. Known defects: Tesla knew the system couldn’t detect emergency vehicles
4. Inadequate fixes: Used over-the-air software updates instead of comprehensive recalls

NHTSA data:

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

Crash patterns:

• Tractor-trailer crossings
• Emergency vehicles with lights flashing
• Gore points and barriers
• Situations where drivers had hands off the wheel

Attorney911 advantage:

• Federal court experience for product liability claims
• BP explosion litigation experience (taking on billion-dollar corporations)
• Complex technical litigation capability

Delivery Vehicle Accidents (Tier 2 – Amazon, FedEx, UPS)

With the growth of online shopping, delivery vehicle accidents are increasing in Killeen. These cases often involve complex liability issues.

Key statistics:

• 1,879 crashes involving Amazon-related motor carriers in 24 months (ending Aug 2025)
• Amazon DSPs (Delivery Service Partners) have higher safety violation rates than average motor carriers
• 2024 Georgia child struck: $16.2M verdict (Amazon 85% responsible)
• 2024 Lopez v. All Points 360: $105M verdict against Amazon DSP

Amazon DSP liability:

• DSPs contractually required to “defend and indemnify” Amazon
• Higher safety violation rates than average motor carriers
• Business model encourages dangerous behavior

Why these cases are valuable:

• Trucks are 3x size/weight of passenger cars = more severe injuries
• $1M+ liability insurance policies required
• No jury sympathy for corporate defendants
• Business model encourages dangerous behavior

Attorney911 advantage:

• Federal court experience
• Complex corporate litigation capability
• Experience with Amazon DSP cases

Bicycle Accidents (Tier 3)

Killeen’s growing cycling community faces risks from distracted and negligent drivers. In 2024, Texas saw 78 cyclist fatalities (26.42% decrease from 2023), but serious injuries remain common.

Texas e-bike classifications:

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

Legal requirements:

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

If e-bike exceeds standards:

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

E-bike accident liability:

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

Verdict: Oct 2024 Portland: $1.6 million to e-bike rider struck by SUV

Attorney911 advantage:

• Experience with both traditional bicycle and e-bike accidents
• Knowledge of Texas e-bike laws
• Product liability experience for defective e-bikes

Bus Accidents (Tier 3)

Killeen’s public transportation system and school buses create accident risks. In 2024, Texas saw 1,110 bus accidents, leading all states.

Statistics:

• 1,110 bus accidents in Texas (2024)
• 17 fatal crashes
• 549 injury crashes
• 2,523 school bus crashes (2023)
• 11 school bus deaths
• 63 serious injuries
• 10,000+ students injured (2021-22 school year)

Liable parties:

• Driver (fatigue, distraction, impairment)
• Bus operator/company (inadequate training, negligent maintenance)
• Manufacturer (brake, tire, safety equipment defects)
• Other drivers (third-party vehicles)
• Government entities (poor signage, road defects) – SPECIAL NOTICE REQUIREMENTS

Attorney911 advantage:

• Experience with government claims
• Knowledge of special notice requirements
• Federal court experience for complex cases

Construction Zone Accidents (Tier 3)

Nearly 28,000 crashes occurred in Texas work zones in 2024, resulting in 215 deaths—a 12% increase over the previous year. Killeen’s ongoing development projects create work zone hazards.

Statistics:

• 28,000+ crashes in Texas work zones (2024)
• 215 deaths (12% increase)
• Work zone fatalities increased 50% nationally (2013-2023)
• 60% of highway contractors reported crashes into work zones (2025 survey)
• 43% of contractors reported worker injuries from work zone crashes (2025 survey)

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

Why these cases are complex:

• Multiple liable parties (construction company, government entity, other drivers)
• Special notice requirements for government claims
• Complex liability issues
• Severe injuries due to high speeds

Attorney911 advantage:

• Experience with government claims
• Knowledge of construction industry standards
• Ability to handle complex liability cases

The 48-Hour Protocol: What to Do Immediately After an Accident in Killeen

Evidence disappears quickly after an accident. Here’s exactly what to do in the first 48 hours:

HOUR 1-6 (IMMEDIATE CRISIS):

✅ Safety First: If you can move safely, get to a secure location away from traffic

✅ Call 911: Report the accident, request medical assistance if anyone is injured

✅ Medical Attention: If injured, get to the ER immediately. Adrenaline masks injuries – you may be hurt and not know it yet

✅ Document Everything:

• Take photos of ALL vehicle damage (every angle)
• Photograph the accident scene, road conditions, traffic signals
• Take photos of visible injuries
• Screenshot any messages visible on your phone (do NOT delete anything)

✅ Exchange Information:

• Other driver’s name, phone, address
• Insurance company and policy number
• Driver’s license number
• License plate number
• Vehicle make, model, color

✅ Witnesses:

• Get names and phone numbers of any witnesses
• Ask if they saw what happened
• Record their statements if possible

✅ Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to ANY insurance company

HOUR 6-24 (EVIDENCE PRESERVATION):

✅ Digital Preservation:

• Preserve all texts, calls, photos, videos related to the accident
• Do NOT delete anything from your phone
• Screenshot everything relevant
• Email copies to yourself for backup

✅ Physical Evidence:

• Secure damaged clothing, glasses, personal items
• Keep receipts for any expenses (towing, rental car, medications)
• Do NOT repair your vehicle yet – preserve the damage

✅ Medical Records:

• Request copies of all ER/hospital records
• Keep all discharge paperwork
• Follow up with your primary care physician within 24-48 hours

✅ Insurance Communications:

• Note any calls from insurance companies
• Do NOT give recorded statements yet
• Do NOT sign anything
• Do NOT accept any settlement offers
• Say: “I need to speak with my attorney first”

✅ Social Media:

• Make ALL profiles private immediately
• Do NOT post about the accident
• Do NOT post photos of injuries or activities
• Tell friends/family not to tag you in posts

HOUR 24-48 (STRATEGIC DECISIONS):

✅ Legal Consultation:

• Speak with experienced motor vehicle accident attorney
• Call Attorney911: 1-888-ATTY-911 for free consultation
• Have your documentation ready

✅ Insurance Response:

• If insurance contacts you, refer them to your attorney
• Say: “My attorney will be in touch with you”
• Provide only basic information: name, date of accident, that you were involved

✅ Settlement Offers:

• Do NOT accept or sign anything without lawyer review
• Early offers are ALWAYS lowball offers
• You don’t know extent of your injuries yet

✅ Evidence Backup:

• Upload all screenshots and photos to cloud storage
• Email copies to yourself and family member
• Create written timeline of events while memory is fresh

WEEK ONE PRIORITIES:

✅ Medical Follow-Up:

• Continue documenting all injuries
• See specialists if recommended
• Follow ALL doctor recommendations (insurance watches for gaps)
• Get written work restrictions if needed

✅ Investigation Begins:

• Attorney obtains police report
• Preservation letters sent to all parties
• Surveillance footage secured before deletion
• Witness statements recorded

✅ Communication:

• Attorney handles ALL insurance communication
• You focus on recovery
• Document any pressure from insurance or other parties

Evidence Deterioration Timeline: Why Time is Critical

Evidence disappears on a predictable schedule. Here’s what happens if you wait:

Day 1-7:

• Witness memories peak then begin fading immediately
• Witnesses harder to locate as days pass
• Details forgotten or become uncertain
• Physical evidence: Skid marks fade, debris cleared, accident scene cleaned

Day 7-30:

• Surveillance footage DELETED:
  • Gas stations: 7-14 days typical
  • Retail stores: 30 days typical
  • Ring doorbells: 30-60 days
  • Traffic cameras: 30 days
• Once deleted = GONE FOREVER – cannot be recovered
• Witnesses: Change jobs, move, become unreachable
• Scene changes: Road repairs, new striping, traffic signals adjusted

Month 1-2:

• Insurance companies solidify defense position
• Adjusters have built file against you
• Settlement position hardens
• Vehicle repairs: Evidence from vehicles destroyed once repaired

Month 2-6:

• Trucking electronic data DELETED:
  • ELD (Electronic Logging Device) data: 30-180 days retention
  • Black box data: Can be automatically overwritten
  • GPS/telematics: Varies by company
• Cell phone records: Harder to obtain as time passes
• Social media: Posts deleted, accounts deactivated

Month 6-12:

• Witnesses: Graduate, move away, memory severely degraded
• Medical evidence: Harder to link injuries to accident
• Treatment gaps: Used against you by insurance
• Financial desperation: Mounting bills make you vulnerable

Month 12-24:

• Approaching statute of limitations
• Creates pressure to settle (insurance knows you’re desperate)
• Evidence severely degraded
• Case value diminished

Every day you wait, evidence disappears. Call Attorney911 NOW: 1-888-ATTY-911

Texas Motor Vehicle Law: What You Need to Know

Statute of Limitations (Texas Civil Practice & Remedies Code § 16.003)

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

Exceptions:

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

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

Comparative Negligence (Texas Civil Practice & Remedies Code § 33.001)

Texas uses modified comparative negligence with a 51% bar:

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

Examples:

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

Why this matters:
Insurance companies ALWAYS try to assign maximum fault to you to reduce their payment. Even small fault percentages cost you thousands:

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

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

Texas Minimum Auto Insurance (30/60/25)

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

Uninsured Motorist Statistics:

• 15.4% of US motorists are uninsured (approximately 1 in 7 drivers)
• UM/UIM coverage critical for protection
• Texas allows inter-policy stacking

Texas Legal Terms Dictionary

Term	Definition
Negligence	Failure to act with the level of care a reasonable person would exercise. Must prove: duty, breach, causation, damages.
Duty of Care	Legal obligation to act reasonably (drivers must obey traffic laws, property owners must maintain safe premises).
Breach of Duty	Violation of duty of care through action or inaction.
Causation	Defendant’s breach directly caused plaintiff’s injuries (“but for” test).
Proximate Cause	Injuries were foreseeable result of defendant’s actions.
Liability	Legal responsibility for harm caused. Defendant is “liable” when proven negligent.
Economic Damages	Quantifiable financial losses: medical bills, lost wages, property damage, future earnings. NO CAP in Texas.
Non-Economic Damages	Intangible losses: pain and suffering, mental anguish, physical impairment, loss of consortium, disfigurement. NO CAP except medical malpractice.
Punitive/Exemplary Damages	Punishment for gross negligence or malice. CAPPED at greater of: $200K OR 2x economic + 1x non-economic (max $750K non-economic portion).
Dram Shop Liability	Bars/restaurants liable if they serve obviously intoxicated person who then causes accident. Texas Alcoholic Beverage Code §2.02.
Respondeat Superior	Employer liable for employee’s negligence during work scope. Critical for trucking/rideshare.
Vicarious Liability	One party liable for another’s actions (parent company for subsidiary, etc.).
UM/UIM Coverage	Uninsured/Underinsured Motorist coverage. Texas allows inter-policy stacking.
Bad Faith	Insurance company’s unreasonable denial or delay of valid claim. Texas Insurance Code violations.
Contingency Fee	Attorney fee structure: no fee unless case wins. Typically 33-40% of recovery.
Subrogation	Health insurer’s right to recover from settlement what they paid for treatment.
Lien	Third party’s claim against settlement (medical providers, Medicare, Medicaid).
Wrongful Death	Claim brought by surviving family for death caused by negligence.
Survival Action	Claim for damages the deceased would have recovered if they survived (pain before death, medical bills).

Proving Liability: Building Your Case

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

1. Duty of Care

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

2. Breach of Duty

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

3. Causation

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

4. Damages

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

Evidence Types and Sources

Physical Evidence:

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

Documentary Evidence:

• Police accident report
• 911 call recordings
• Traffic camera footage
• Surveillance footage from nearby businesses
• Medical records and bills
• Employment records (for lost wages)
• Cell phone records (proving distraction)

Electronic Evidence:

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

Testimonial Evidence:

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

Multiple Liable Parties

Many accidents involve more than one at-fault party:

Trucking Accidents Can Involve:

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

Rideshare Accidents Can Involve:

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

Drunk Driving Accidents Can Involve:

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

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

Expert Witnesses We Work With

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

Damages and Compensation: What You Can Recover

Types of Damages

Economic Damages (No Cap in Texas):

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

Non-Economic Damages (No Cap Except Medical Malpractice):

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

Punitive/Exemplary Damages (Capped):

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

Settlement Ranges by Injury Type

Soft Tissue Injuries (Whiplash, Sprains, Strains):

Medical Treatment:

• Emergency room: $2,000-$5,000
• Follow-up doctor visits: $1,000-$3,000
• Physical therapy (6-12 weeks): $3,000-$7,000
• Medications: $300-$1,000
• Total Medical: $6,000-$16,000

Lost Wages: $2,000-$10,000 (2-6 weeks missed work)
Pain & Suffering: $8,000-$35,000

SETTLEMENT RANGE: $15,000-$60,000
Higher if: Permanent pain, restrictions on activities, chronic condition develops

Broken Bone (Single, Simple Fracture):

Medical Treatment:

• Emergency room and X-rays: $3,000-$6,000
• Orthopedic consultation: $500-$1,500
• Casting and follow-up: $2,000-$5,000
• Physical therapy: $3,000-$8,000
• Total Medical: $10,000-$20,000

Lost Wages: $5,000-$15,000 (4-8 weeks missed work)
Pain & Suffering: $20,000-$60,000

SETTLEMENT RANGE: $35,000-$95,000

Broken Bone (Requiring Surgery – ORIF):

Medical Treatment:

• Emergency room: $5,000-$10,000
• Surgery (Open Reduction Internal Fixation): $25,000-$50,000
• Hospital stay (2-3 days): $6,000-$15,000
• Follow-up care: $3,000-$8,000
• Physical therapy (3-6 months): $8,000-$15,000
• Total Medical: $47,000-$98,000

Lost Wages: $10,000-$30,000 (3-6 months)
Pain & Suffering: $75,000-$200,000

SETTLEMENT RANGE: $132,000-$328,000

Herniated Disc (Conservative Treatment):

Medical Treatment:

• Emergency room and initial treatment: $3,000-$6,000
• MRI: $2,000-$4,000
• Physician visits and pain management: $5,000-$12,000
• Physical therapy (3-6 months): $8,000-$15,000
• Epidural steroid injections (series of 3): $3,000-$6,000
• Medications: $1,000-$3,000
• Total Medical: $22,000-$46,000

Lost Wages: $8,000-$25,000
Pain & Suffering: $40,000-$100,000

SETTLEMENT RANGE: $70,000-$171,000

Herniated Disc (Surgery Required):

Medical Treatment:

• Initial treatment and diagnostics: $8,000-$15,000
• Failed conservative treatment: $10,000-$20,000
• Spinal surgery (microdiscectomy or fusion): $50,000-$100,000
• Hospital stay: $8,000-$20,000
• Post-surgical care and follow-up: $5,000-$15,000
• Physical therapy (6-12 months): $10,000-$20,000
• Pain management: $5,000-$15,000
• Total Past Medical: $96,000-$205,000

Future Medical: $30,000-$100,000 (ongoing pain management, possible revision surgery)
Lost Wages: $20,000-$50,000 (6-12 months recovery)
Lost Earning Capacity: $50,000-$400,000 (if can’t return to physical job)
Pain & Suffering: $150,000-$450,000

SETTLEMENT RANGE: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe):

Medical Treatment:

• Emergency room and trauma care: $10,000-$30,000
• Hospital/ICU stay (1-4 weeks): $50,000-$200,000
• Neurosurgery if required: $75,000-$200,000
• Acute rehabilitation facility: $30,000-$100,000
• Neurologist follow-up care: $10,000-$30,000
• Neuropsychological testing: $3,000-$8,000
• Cognitive therapy: $15,000-$50,000
• Medications: $5,000-$20,000
• Total Past Medical: $198,000-$638,000

Future Medical (Life Care Plan): $300,000-$3,000,000+ depending on severity
Lost Wages: $50,000-$200,000
Lost Earning Capacity: $500,000-$3,000,000+
Pain & Suffering: $500,000-$3,000,000+

SETTLEMENT RANGE: $1,548,000-$9,838,000

Attorney911 Documented Result:

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

Spinal Cord Injury / Paralysis:

Lifetime Care Costs by Level:

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

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

Amputation:

Medical Treatment:

• Emergency care and surgery: $80,000-$200,000
• Hospital stay: $50,000-$150,000
• Rehabilitation: $30,000-$100,000
• Initial prosthetic fitting: $10,000-$30,000
• Total Past Medical: $170,000-$480,000

Future Medical (Lifetime Prosthetics):

• Basic prosthetic leg: $5,000-$15,000 every 3-5 years
• Advanced computerized prosthetic: $50,000-$100,000 every 3-5 years
• Over lifetime (30-50 years): $500,000-$2,000,000

SETTLEMENT RANGE: $1,945,000-$8,630,000

Attorney911 Documented Result:

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

Wrongful Death (Working Age Adult):

Economic Damages:

• Funeral and burial: $10,000-$20,000
• Medical expenses before death: $50,000-$500,000
• Lost financial support to family (present value): $1,000,000-$4,000,000

Non-Economic Damages:

• Loss of companionship, society, love: $500,000-$3,000,000
• Loss of advice and counsel: $100,000-$500,000
• Mental anguish (family members): $250,000-$1,500,000

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

Attorney911 Documented Result:

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

Nuclear Verdicts Trend (2024-2025)

Definition: Jury awards exceeding $10 million (originally $10M threshold, now often $20M+)

Texas Nuclear Verdict Statistics:

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

Recent Texas Motor Vehicle Nuclear Verdicts:

Year	Case	Amount
2024	Hatch v. Jones (car accident wrongful death)	$81,720,000
2024	Frito-Lay Warehouse (vehicle collision)	$72,000,000
2024	Lopez v. All Points 360 (Amazon)	$105,000,000
2024	New Prime I-35 pileup (6 deaths)	$44,100,000
2024	Oncor Electric (trucking)	$37,500,000
2024	Ben E. Keith (Fort Worth trucking)	$35,000,000
2023	Johnson v. Union Pacific (train)	$557,000,000
2021	Ramsey v. Landstar (trucking)	$730,000,000
2017	Kindred v. Delbosque (drunk driving)	$301 BILLION

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

Settlement Multiplier Method (How Insurance Calculates)

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

Multiplier Range: 1.5 to 5

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

EXAMPLE – MINOR INJURY:

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

EXAMPLE – SEVERE INJURY:

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

FACTORS THAT INCREASE MULTIPLIER (Push Toward 4-5):

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

FACTORS THAT DECREASE MULTIPLIER (Push Toward 1.5-2):

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

Why Lupe’s Experience Matters:
Lupe calculated these multipliers for years using insurance company formulas. He knows:

• When to push for higher multiplier (4-5 vs. 2-3)
• Which factors insurance weighs most heavily
• How to document cases to justify higher multipliers
• When multiplier method undervalues case (catastrophic injuries)
• When to abandon multiplier and demand policy limits

We Don’t Accept Low Multipliers:

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

Medical Knowledge: Understanding Your Injuries

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:

Immediate Symptoms (At Accident Scene or Within Hours):

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

Delayed Symptoms (Hours to Days Later – CRITICAL):

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

Why Delayed Symptoms Matter Legally:
Insurance companies claim delayed symptoms aren’t from the accident. Attorney911 uses medical experts explaining symptom progression is NORMAL for brain injuries.

Severity Classifications:

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

Long-Term Complications:

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

Spinal Cord Injury

Injury Levels and Impact:

Cervical Spine (C1-C8, Neck Region):

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

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

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

Lumbar Spine (L1-L5, Lower Back):

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

ASIA Impairment Scale:

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

Secondary Complications:

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

Amputation

Types:

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

Levels:

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

Phantom Limb Pain:

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

Attorney911 Case Result:

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

Burn Injuries

Classifications:

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

Body Surface Area Impact:

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

Psychological Injuries

PTSD After Motor Vehicle Accidents:

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

Compensable Psychological Damages:

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

Why Choose Attorney911 for Your Killeen Accident Case

When you’re injured in a car accident in Killeen, you have choices. But not all law firms are created equal. Here’s why Attorney911 is the right choice for Central Texas accident victims:

1. Insurance Defense Insider Knowledge

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

This isn’t just a credential—it’s a game-changer. While other firms guess at how insurance companies operate, we know because we’ve been on the inside. Lupe’s experience allows us to:

• Value cases more accurately
• Counter insurance company arguments effectively
• Negotiate from a position of strength
• Know when to push for trial

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

2. Multi-Million Dollar Results

Our track record speaks for itself:

• Brain injury with vision loss: Multi-million dollar settlement for a client injured when a log dropped on him at a logging company
• Car accident amputation: 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.
• Trucking wrongful death: We’ve helped numerous families facing trucking-related wrongful death cases recover millions in compensation
• Maritime back injury: Our client injured his back while lifting cargo on a ship. Our investigation revealed he should have been assisted in this duty, leading to a significant cash settlement.

As client Glenda Walker said: “They make you feel like family and even though the process may take some time, they make it feel like a breeze. They fought for me to get every dime I deserved.”

3. Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas. This matters because:

• Complex cases often end up in federal court
• FMCSA trucking regulations are federal
• Diversity jurisdiction applies when parties are from different states
• Federal court requires different skills than state court

Our involvement in BP explosion litigation further demonstrates our capability to handle complex cases against large corporations.

4. Personal Attention You Won’t Find at Big Firms

At Attorney911, you’re not just a case number. As client Chad Harris put it:

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

Here’s what our clients consistently praise:

• Communication: “Consistent communication and not one time did I call and not get a clear answer.” – Dame Haskett
• Responsiveness: “Melanie was excellent. She kept me informed and when she said she would call me back, she did.” – Brian Butchee
• Compassion: “When I felt I had no hope or direction, Leonor reached out to me…She took all the weight of my worries off my shoulders.” – Stephanie Hernandez

5. Contingency Fee – No Risk to You

We work on a contingency fee basis, which means:

• No upfront costs
• No hourly fees
• We advance all case expenses
• You pay nothing unless we win your case
• Free consultation to discuss your case

As client Donald Wilcox experienced: “One company said they would not accept my case. Then I got a call from Manginello…I got a call to come pick up this handsome check.”

6. Killeen-Specific Experience

We understand the unique challenges of accidents in Bell County:

• Military personnel and their families
• Fort Cavazos-related traffic
• Commercial vehicles serving the region
• Local court procedures in Killeen and Belton
• Dangerous intersections like Clear Creek Road and Stan Schlueter Loop
• Local hospitals like Seton Medical Center Harker Heights

7. Spanish Language Services

For our Spanish-speaking clients in Killeen:

• Lupe Peña is fluent in Spanish
• Our staff includes bilingual team members
• All consultations available in Spanish
• No language barrier to justice

As client Celia Dominguez said: “Especially Miss Zulema, who is always very kind and always translates.”

8. Community Trust

Our reputation in the community speaks for itself:

• 251+ five-star Google reviews
• Trae Tha Truth endorsement
• Decades of service to Central Texas
• Involvement in local organizations

As Jacqueline Johnson shared: “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.”

Frequently Asked Questions About Killeen Car Accidents

Immediate After Accident

1. What should I do immediately after a car accident in Killeen?

If you’ve been in an accident in Killeen:

• Call 911 and report the accident
• Seek medical attention even if you feel fine (adrenaline can mask injuries)
• Document everything: photos of damage, injuries, scene
• Exchange information with other driver(s)
• Get witness names and contact information
• Do NOT give a recorded statement to any insurance company
• Call Attorney911 at 1-888-ATTY-911

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

Yes. Always call police. The police report is critical evidence. In Texas, you must report accidents with injuries, deaths, or property damage over $1,000.

3. Should I seek medical attention if I don’t feel hurt?

ABSOLUTELY. Many serious injuries don’t show symptoms immediately:

• Traumatic brain injuries can take days to manifest
• Internal bleeding may not be obvious
• Herniated discs may not cause pain for weeks
• Adrenaline masks pain at the scene

Insurance companies use delays in treatment against you. Get checked immediately.

4. What information should I collect at the scene?

• Other driver: name, phone, address, driver’s license, insurance
• Vehicle: make, model, color, license plate
• Witnesses: names and phone numbers
• Photos: all vehicle damage, injuries, road conditions, traffic signals
• Police: officer name, badge number, report number

5. Should I talk to the other driver or admit fault?

• Exchange information only
• Do NOT discuss fault
• Do NOT apologize or say “I’m sorry” (can be used as admission)
• Do NOT give your opinion on what happened
• Stick to facts only

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

You can obtain the police report from the Killeen Police Department or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

7. Should I give a recorded statement to insurance?

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

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

Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give a recorded statement. Do NOT discuss injuries or fault.

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

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

10. Should I accept a quick settlement offer?

NEVER accept a settlement before knowing the full extent of your injuries. Once you sign a release, you cannot get more money even if you need surgery later.

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

Your own UM/UIM coverage can compensate you. Watch our video: “Uninsured & Underinsured Motorists” at https://www.youtube.com/watch?v=kWcNFyb-Yq8

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

They want unlimited access to your ENTIRE medical history to find pre-existing conditions to use against you. Never sign without attorney review.

Legal Process

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. Call Attorney911: 1-888-ATTY-911

15. How much time do I have to file (statute of limitations)?

In Texas: 2 years from date of accident for personal injury, 2 years from date of death for wrongful death. Miss it = case barred forever.

16. What is comparative negligence and how does it affect me?

Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your fault %). If 51%+ at fault, you get nothing.

Watch our video: “What Is Comparative Negligence?” at https://www.youtube.com/watch?v=agzHKY_v9l4

17. What happens if I was partially at fault?

You can still recover if you were 50% or less at fault. Your recovery is reduced by your percentage of fault.

18. Will my case go to trial?

Most cases settle before trial. But Attorney911 prepares every case AS IF it’s going to trial. That’s what gives us leverage.

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

19. How long will my case take to settle?

Depends on injury severity. We don’t settle until you’ve reached maximum medical improvement (MMI). Could be 6 months for minor injuries, 18-24 months for serious injuries.

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

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

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

Compensation

21. What is my case worth?

Depends on: injury severity, medical costs, lost wages, permanent impairment, pain and suffering, insurance available. Cases range from $15,000 (soft tissue) to millions (catastrophic injury).

22. What types of damages can I recover?

• Medical expenses (past and future)
• Lost wages and earning capacity
• Pain and suffering
• Mental anguish
• Physical impairment
• Disfigurement
• Loss of enjoyment of life
• Property damage

23. Can I get compensation for pain and suffering?

Yes. Pain and suffering is a significant component of personal injury cases in Texas. There is NO CAP on pain and suffering (except medical malpractice).

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

You can still recover if the accident aggravated or worsened your pre-existing condition. This is called the “eggshell plaintiff” rule.

25. Will I have to pay taxes on my settlement?

Generally, compensation for physical injuries is NOT taxable. Punitive damages ARE taxable. Consult a tax professional.

26. How is the value of my claim determined?

Based on: medical bills, future treatment costs, lost income, permanent impairment rating, comparable verdicts, severity of injuries, impact on daily life.

Attorney Relationship

27. How much do car accident lawyers cost?

Attorney911 works on a contingency fee basis—you pay nothing unless we win your case. If we recover compensation for you, our fee is a percentage of the recovery. You may still be responsible for court costs and case expenses regardless of outcome. Free consultation available to discuss fee structure.

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

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

You pay zero unless we recover money for you. If we don’t win, you owe us nothing. We advance all case costs.

29. How often will I get updates?

Attorney911 provides regular updates. As client Dame Haskett said: “Consistent communication and not one time did I call and not get a clear answer.”

30. Who will actually handle my case?

At Attorney911, you work directly with Ralph Manginello and Lupe Peña, not just paralegals. As Chad Harris said: “You are NOT just some client…You are FAMILY to them.”

31. What if I already hired another attorney?

You can switch. As client Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.”

Mistakes to Avoid

32. What common mistakes can hurt my case?

• Giving a recorded statement without an attorney
• Accepting a quick settlement
• Delaying medical treatment
• Gaps in treatment
• Posting on social media
• Signing releases or authorizations
• Not documenting everything

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

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

NO. Make all profiles private. Don’t post about the accident, injuries, or activities. Insurance monitors everything.

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

Releases are PERMANENT. Medical authorizations give unlimited access. Settlement offers are binding. Once signed, you can’t undo it.

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

See one NOW. Explain you didn’t realize the severity of your injuries. Delayed symptoms are common. We can still help.

Additional Common Questions

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

You can still recover. If the accident AGGRAVATED your pre-existing condition, you’re entitled to compensation for the aggravation. “Eggshell plaintiff” rule: Defendant takes victim as they find them.

Example: You had mild occasional back pain. Accident caused herniated disc requiring surgery. You recover for the NEW injury, not just the pre-existing pain. We hire medical experts to prove the difference. Lupe knows how insurance attacks pre-existing conditions—he used this defense for years.

37. Can I switch attorneys if I’m unhappy with my current lawyer?

YES. You can fire your attorney at any time. If your attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you have the right to switch. Attorney911 has taken over many cases from other attorneys.

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

Call 1-888-ATTY-911 to discuss switching.

38. What if the insurance company is my own insurance (UM/UIM claim)?

Uninsured/Underinsured Motorist claims are against YOUR insurance when the other driver has no insurance or insufficient insurance. Your insurance company will fight your claim just like the other driver’s insurance would. You need attorney representation.

Texas allows inter-policy stacking (combining multiple UM policies). Lupe’s insurance knowledge is critical for maximizing UM/UIM recovery.

39. How do you calculate pain and suffering?

Most commonly using the multiplier method: Medical expenses × multiplier (1.5 to 5) = pain & suffering. Multiplier depends on: injury severity, permanency, impact on life, clear liability.

Example: $100,000 medical × 4 multiplier = $400,000 pain and suffering.

Lupe calculated these for years—he knows how to justify higher multipliers. See Section G for detailed breakdown.

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

Government claims have special rules. You must file notice within 6 months (much shorter than 2-year statute of limitations). Sovereign immunity protects government entities. Damage caps may apply.

These cases are complex—you need experienced attorney. Ralph’s 25+ years includes government litigation. Call 1-888-ATTY-911 immediately—6-month deadline is strict.

41. What if the other driver fled the scene (hit and run)?

File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL—gas stations, businesses, Ring doorbells, traffic cameras. Most footage is deleted 7-30 days.

We send preservation letters immediately. Texas allows UM stacking. We’ve recovered substantial settlements in hit and run cases through UM claims.

42. What if I’m an undocumented immigrant—can I still file a claim?

YES. Immigration status does NOT affect your right to compensation for injuries. You’re entitled to full recovery regardless of immigration status. Your case is confidential. We’ve successfully represented clients of all immigration statuses.

Lupe is fluent in Spanish. Call 1-888-ATTY-911—we protect your rights and your privacy.

43. What if the accident happened in a parking lot?

Parking lot accidents are fully compensable. Insurance companies love to argue “parking lot accidents are always 50/50 fault” (LIE). We prove fault through: surveillance video, witness statements, damage analysis, traffic patterns.

Texas comparative negligence rules apply. We’ve won many parking lot cases with clear liability findings.

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

You can sue the driver even if you were riding with them (friend, family member, Uber driver). You’re an innocent victim. The driver’s insurance covers passengers. No comparative fault issues (you weren’t driving). These cases often settle quickly because liability is clear.

We handle the difficult conversation so you don’t have to.

45. What if the other driver died in the accident?

You can still pursue a claim against the deceased driver’s estate and insurance. Death doesn’t eliminate liability. The insurance policy still applies. The estate may have assets. Wrongful death laws protect both sides.

These cases are emotionally complex but legally straightforward. We handle them with sensitivity while protecting your rights.

Killeen-Specific Resources

Local Hospitals and Trauma Centers

Seton Medical Center Harker Heights

• Level III Trauma Center
• 850 W Central Texas Expy, Harker Heights, TX 76548
• (254) 690-0900

Baylor Scott & White Medical Center – Temple

• Level II Trauma Center (nearest Level II)
• 2401 S 31st St, Temple, TX 76508
• (254) 724-2111

Dell Seton Medical Center at The University of Texas

• Level I Trauma Center (nearest Level I)
• 1500 Red River St, Austin, TX 78701
• (512) 324-7000

Local Courts

Bell County Justice of the Peace Precinct 1

• Handles minor civil cases and accident reports
• 101 E Central Ave, Belton, TX 76513
• (254) 933-5220

Bell County Justice of the Peace Precinct 2

• 205 E Central Ave, Belton, TX 76513
• (254) 933-5222

Bell County Justice of the Peace Precinct 3

• 301 Priest Dr, Killeen, TX 76541
• (254) 526-8262

Bell County Justice of the Peace Precinct 4

• 209 N 2nd St, Temple, TX 76501
• (254) 770-2400

364th District Court (Civil)

• 1201 Huey Rd, Belton, TX 76513
• (254) 933-5200

146th District Court (Civil)

• 1201 Huey Rd, Belton, TX 76513
• (254) 933-5200

Local Law Enforcement

Killeen Police Department

• Non-emergency: (254) 501-8800
• Accident reports: Available through KPD or TxDOT CRIS

Belton Police Department

• Non-emergency: (254) 933-5840

Bell County Sheriff’s Office

• Non-emergency: (254) 933-5400

Texas Department of Public Safety (DPS) – Killeen

• Non-emergency: (254) 634-2211

Dangerous Intersections in Killeen

Based on TxDOT data and local reports, these intersections have higher accident rates:

1. Clear Creek Road & Stan Schlueter Loop

   • Heavy commuter traffic
   • Multiple lanes in each direction
   • Near shopping centers and restaurants

2. Fort Hood Street & Rancier Avenue

   • Busy commercial corridor
   • High volume of military traffic
   • Multiple signalized intersections close together

3. Trimmier Road & Veterans Memorial Boulevard

   • Near Fort Cavazos main gate
   • Heavy truck and military vehicle traffic
   • Congested during rush hours

4. WS Young Drive & Rancier Avenue

   • Near Central Texas College
   • Student and commuter traffic mix
   • Multiple turning lanes

5. East Central Texas Expressway (Highway 190) & Fort Hood Street

   • High-speed highway meets local traffic
   • Complex merge and exit ramps
   • Near major shopping centers

Local Insurance Adjusters

While we can’t name specific adjusters, these are the major insurance companies handling Killeen accident claims:

• State Farm
• Allstate
• Progressive
• GEICO
• Farmers
• USAA (common for military families)
• Texas Farm Bureau
• Nationwide

Lupe Peña’s experience working for a national defense firm means he knows how each of these companies operates and what tactics they use.

What to Do Right Now

If you’ve been injured in a car accident in Killeen, time is critical. Here’s what to do immediately:

1. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We answer 24/7.
2. Don’t speak to any insurance company without legal representation.
3. Seek medical attention even if you feel fine—adrenaline masks injuries.
4. Document everything—take photos, get witness information, keep all records.
5. Follow our 48-hour protocol to preserve evidence before it disappears.

Remember:

• Evidence disappears daily
• Insurance companies are already building their case against you
• You have only 2 years to file a lawsuit
• You pay nothing unless we win your case

Call now: 1-888-ATTY-911

Final Thoughts

Car accidents change lives in an instant. One moment, you’re going about your day in Killeen—heading to work, picking up the kids, running errands. The next moment, your life is turned upside down by someone else’s negligence.

At Attorney911, we’ve spent more than 25 years helping accident victims like you navigate the complex legal and medical landscape after a crash. We know the physical pain, the emotional trauma, and the financial stress you’re facing. We also know how to fight the insurance companies that try to take advantage of you.

With our unique combination of experience—Ralph’s decades of trial experience and Lupe’s insider knowledge of insurance company tactics—we have the tools to get you the compensation you deserve. Whether you were injured in a car accident on I-35, a truck crash near Fort Cavazos, or a pedestrian accident downtown, we’re ready to fight for you.

Don’t let the insurance company take advantage of you. Don’t let evidence disappear. Don’t let the statute of limitations expire.

Call Attorney911 today at 1-888-ATTY-911 for your free consultation. We don’t get paid unless we win your case.

You’ve suffered enough. Let us handle the legal battle while you focus on your recovery.