Car Accident Lawyers in Stephenville, Erath County, Texas

If you’ve been injured in a car accident in Stephenville or anywhere in Erath County, Texas, you’re not alone. With over 251,977 people injured in Texas motor vehicle crashes last year and one crash occurring every 57 seconds, car accidents are a constant danger on our roads. At Attorney911, we understand the physical, emotional, and financial toll a car accident can take on you and your family. That’s why we’re here to fight for the compensation you deserve.

Why Stephenville Residents Trust Attorney911

Ralph Manginello, our founding attorney with over 25 years of experience, has built a reputation for aggressive representation and compassionate client care. Our firm, The Manginello Law Firm, PLLC, operating as Attorney911, has become a trusted name in Erath County for handling complex car accident cases. With our deep understanding of Texas law and local court systems, we’re uniquely positioned to help Stephenville residents navigate the legal process after an accident.

The Reality of Car Accidents in Erath County

In Texas, someone is injured in a car accident every 2 minutes and 5 seconds. In Erath County, residents face unique risks on roads like US Highway 281, US Highway 377, and FM 219. These highways see heavy traffic from local commuters, students from Tarleton State University, and commercial vehicles serving the area’s agricultural and manufacturing industries.

Common causes of car accidents in Stephenville and Erath County include:

Distracted driving (texting, phone use, eating)
Speeding on rural roads and highways
Failure to yield at intersections
Running red lights and stop signs
Driving under the influence of alcohol or drugs
Poor weather conditions (ice, rain, fog)
Fatigue from long commutes or agricultural work

Common Injuries from Car Accidents

Car accidents can result in a wide range of injuries, from minor to life-threatening:

Whiplash and soft tissue injuries: Common in rear-end collisions, these injuries can cause chronic pain and require extensive physical therapy.
Herniated or bulging discs: The force of a collision can damage spinal discs, leading to severe back pain and potential surgery.
Broken bones and fractures: Arms, legs, ribs, and facial bones are frequently broken in car accidents.
Traumatic brain injuries (TBI): Even “mild” concussions can have long-term effects on memory, concentration, and emotional well-being.
Spinal cord injuries: These can result in partial or complete paralysis, requiring lifetime care.
Internal organ damage: The impact of a collision can cause internal bleeding and organ damage that may not be immediately apparent.
PTSD and emotional trauma: Many accident victims experience anxiety, depression, and post-traumatic stress disorder.

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, demonstrating our ability to handle even the most complex cases.

Why Insurance Companies Are Your Enemy

After an accident, insurance companies may seem helpful, but their primary goal is to minimize payouts and protect their profits. Lupe Peña, our associate attorney who spent years working for a national defense firm, knows their tactics inside and out. He’s seen firsthand how insurance companies:

Offer quick, lowball settlements before you know the full extent of your injuries
Pressure you to give recorded statements that can be used against you
Send you to “independent” medical exams with doctors they control
Delay processing your claim in hopes you’ll give up or accept less
Use surveillance to catch you in moments that can be taken out of context
Blame you for the accident to reduce their payout

“Lupe Peña worked for a number of years at a national defense firm, learning firsthand how large insurance companies value claims.” – Attorney911

Lupe’s insider knowledge is your advantage. He knows how they calculate claim values, which doctors they use for “independent” exams, and how to counter their delay tactics. This unique perspective allows us to anticipate and defeat their strategies.

How We Prove Liability in Your Case

To win your case, we must prove the other driver was negligent. This requires demonstrating four key elements:

Duty of Care: All drivers have a legal obligation to operate their vehicles safely and follow traffic laws.
Breach of Duty: The at-fault driver violated this duty through actions like speeding, texting, or running a red light.
Causation: The breach of duty directly caused your injuries.
Damages: You suffered actual harm as a result of the accident.

Our team gathers evidence to support your claim, including:

Police accident reports
Witness statements
Photographs and videos from the scene
Medical records documenting your injuries
Expert testimony from accident reconstruction specialists
Electronic data from vehicles (black boxes, ELDs)
Surveillance footage from nearby businesses

What Compensation You Can Recover

In Texas, car accident victims may be entitled to various types of damages:

Economic Damages (No Cap in Texas)

Past and future medical expenses
Lost wages and reduced earning capacity
Property damage (vehicle repair or replacement)
Out-of-pocket expenses (transportation, home modifications)

Non-Economic Damages (No Cap Except Medical Malpractice)

Pain and suffering
Mental anguish and emotional distress
Physical impairment and disability
Disfigurement and scarring
Loss of enjoyment of life
Loss of consortium (impact on relationships)

Punitive Damages (Capped)

In cases of gross negligence, such as drunk driving, punitive damages may be available to punish the at-fault party and deter similar behavior. The cap is the greater of $200,000 or twice the amount of economic damages plus up to $750,000 in non-economic damages.

Settlement Ranges for Common Injuries

The value of your case depends on several factors, including the severity of your injuries, the clarity of liability, and the insurance coverage available. Here are typical settlement ranges for common car accident injuries:

Soft Tissue Injuries (Whiplash, Sprains, Strains)

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

Broken Bones (Single, Simple Fracture)

Medical Treatment: $10,000-$20,000
Lost Wages: $5,000-$15,000
Pain & Suffering: $20,000-$60,000
Total Settlement Range: $35,000-$95,000

Broken Bones Requiring Surgery

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

Herniated Disc (Conservative Treatment)

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

Herniated Disc Requiring Surgery

Past Medical: $96,000-$205,000
Future Medical: $30,000-$100,000
Lost Wages: $20,000-$50,000
Lost Earning Capacity: $50,000-$400,000
Pain & Suffering: $150,000-$450,000
Total Settlement Range: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe)

Past Medical: $198,000-$638,000
Future Medical: $300,000-$3,000,000+
Lost Wages: $50,000-$200,000
Lost Earning Capacity: $500,000-$3,000,000+
Pain & Suffering: $500,000-$3,000,000+
Total Settlement Range: $1,548,000-$9,838,000

Spinal Cord Injury / Paralysis

First Year Costs: $500,000-$1,500,000
Annual Costs After: $70,000-$250,000
Lifetime Total: $2,500,000-$13,000,000+
Total Settlement Range: $4,770,000-$25,880,000

Amputation

Past Medical: $170,000-$480,000
Future Medical: $500,000-$2,000,000
Lost Wages: $20,000-$100,000
Pain & Suffering: $250,000-$1,500,000
Total Settlement Range: $1,945,000-$8,630,000

Wrongful Death (Working Age Adult)

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

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

What to Do Immediately After a Car Accident in Stephenville

The actions you take in the first 48 hours after an accident can significantly impact your case:

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 and request medical assistance if anyone is injured.
Medical Attention: Even if you feel fine, get checked out. Adrenaline can mask serious injuries.
Document Everything:
- Take photos of all vehicle damage (every angle)
- Photograph the accident scene, road conditions, and 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 number, address
- Insurance company and policy number
- Driver’s license number
- License plate number
- Vehicle make, model, and color
Witnesses: Get names and phone numbers of any witnesses.
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, and 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, or 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 and family not to tag you in posts

Hour 24-48: Strategic Decisions

Legal Consultation: Speak with an experienced motor vehicle accident attorney.
Insurance Response: If insurance contacts you, refer them to your attorney. Say: “My attorney will be in touch with you.”
Settlement Offers: Do NOT accept or sign anything without lawyer review.
Evidence Backup: Upload all screenshots and photos to cloud storage.

Week One Priorities

Medical Follow-Up: Continue documenting all injuries.
Investigation Begins: Your attorney will obtain police reports, send preservation letters, and secure surveillance footage.
Communication: Your attorney will handle ALL insurance communication while you focus on recovery.

Why Evidence Disappears Quickly

Every day you wait, critical evidence disappears:

Surveillance footage: Typically deleted in 7-30 days
ELD/black box data: Can be overwritten in 30-180 days
Witness memories: Fade quickly
2-year statute of limitations: Absolute deadline
Insurance is building their case: While you recover, they’re preparing their defense

“Every day you wait, evidence disappears. Surveillance footage from nearby businesses is typically deleted within 7-30 days. We immediately send preservation letters to secure this critical evidence.” – Attorney911

Texas Law You Need to Know

Statute of Limitations

In Texas, you have 2 years from the date of the accident to file a personal injury lawsuit. This deadline is absolute—miss it, and your case is barred forever.

Comparative Negligence (51% Bar Rule)

Texas uses a modified comparative negligence system. If you’re found to be 50% or less at fault, you can recover damages reduced by your percentage of fault. If you’re 51% or more at fault, you recover nothing.

For example:

If you’re 25% at fault in a $100,000 case, you recover $75,000.
If you’re 51% at fault, you recover $0.

Insurance companies will try to maximize your fault percentage to reduce their payout. Our experience helps counter these arguments.

Texas Minimum Auto Insurance Requirements

Texas requires all drivers to carry minimum coverage of:

$30,000 for bodily injury per person
$60,000 for bodily injury per accident
$25,000 for property damage

However, many drivers carry only the minimum or are uninsured. That’s why Uninsured/Underinsured Motorist (UM/UIM) coverage is crucial.

Why Choose Attorney911 for Your Stephenville Car Accident Case

1. Insurance Defense Insider Advantage

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

Lupe’s insider knowledge from years at a national defense firm gives us an unfair advantage. He knows:

How insurance companies calculate claim values
Which “independent” medical exam doctors they favor
How they set reserves and settlement authority
Their delay and financial pressure tactics
How to counter their comparative fault arguments

This knowledge allows us to anticipate and defeat their strategies.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for victims of car accidents:

“Multi-million dollar settlement for client who suffered brain injury with vision loss”
“In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions”
“At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation”

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

3. Federal Court Experience

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

Interstate trucking accidents
Product liability claims (defective vehicles or parts)
Cases against large corporations
Multi-state defendants

4. BP Explosion Litigation Experience

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

The 2005 BP Texas City explosion killed 15 people and injured 180 others. Our involvement in this complex litigation demonstrates our ability to handle high-stakes cases against multinational corporations.

5. Personal Attention from Experienced Attorneys

At Attorney911, you work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers.

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

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

What Our Clients Say About Us

“Leonor got me into the doctor the same day…it only took 6 months amazing.” – Chavodrian Miles

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

“Ralph Manginello is indeed the best attorney I ever had..He cares greatly about his results.” – AMAZIAH A.T

“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.” – Jacqueline Johnson

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

Frequently Asked Questions About Car Accidents in Stephenville

Immediate After Accident

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

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

2. Should I call the police even for a minor accident?
Yes. Always call 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 Stephenville?
You can obtain the police report from the Stephenville 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 the date of the accident for personal injury, 2 years from the date of death for wrongful death. Miss it = case barred forever.

16. What is comparative negligence and how does it affect me?
Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your fault %). If 51%+ at fault, you get nothing.

Watch our video: “What Is Comparative Negligence?” 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?

Investigation and evidence gathering
Medical treatment to MMI
Demand letter to insurance
Negotiation
Lawsuit if necessary
Discovery
Mediation
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 contingency: 33.33% before trial, 40% if trial. You pay nothing upfront. We don’t get paid unless we win.

Watch our video: “How Do Contingency Fees Work?” 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. The accident caused a 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 a 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 the 2-year statute of limitations). Sovereign immunity protects government entities. Damage caps may apply.

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

41. What if the other driver fled the scene (hit and run)?
File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL—gas stations, businesses, Ring doorbells, traffic cameras. Most footage is deleted in 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.

Other Motor Vehicle Accidents in Erath County

18-Wheeler and Trucking Accidents

Stephenville and Erath County see significant truck traffic on US Highway 281 and US Highway 377, serving the area’s agricultural and manufacturing industries. With 39,393 commercial motor vehicle crashes in Texas last year, including 608 fatalities, trucking accidents are a serious concern.

Why Trucking Accidents Are More Dangerous:

An 18-wheeler can weigh up to 80,000 pounds—20 times heavier than a passenger car
Stopping distance for a truck is significantly longer than for a car
Trucks have large blind spots where smaller vehicles disappear from view
Fatigue, distracted driving, and improper loading contribute to many accidents

Common Causes of Trucking Accidents in Erath County:

Driver fatigue (violating Hours of Service regulations)
Distracted driving (texting, using dispatch devices)
Speeding or driving too fast for conditions
Improper loading or overloading
Inadequate training or supervision
Poor vehicle maintenance
Driving under the influence of drugs or alcohol

FMCSA Regulations:
The Federal Motor Carrier Safety Administration (FMCSA) sets strict rules for commercial drivers:

Hours of Service (HOS): Max 11 hours driving after 10 hours off-duty
Cannot drive past the 14th consecutive hour on duty
30-minute break required after 8 hours of driving
60/70-hour weekly limits
Electronic Logging Devices (ELDs) are mandatory
Commercial driver BAC limit: 0.04% (half the limit for regular drivers)

Violations of these regulations can establish negligence per se, making it easier to prove liability.

Why Trucking Cases Are Higher Value:

Multiple liable parties: driver, trucking company, cargo loader, manufacturer
Higher insurance limits: $750,000 to $5,000,000+ policies
Federal court experience matters for FMCSA cases
ELD/black box evidence is critical

“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 in 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 (largest in Fort Worth history)
2024 Lopez v. All Points 360 (Amazon): $105M verdict

These verdicts demonstrate the potential value of trucking cases and the importance of experienced legal representation.

Drunk Driving Accidents

With 1,053 alcohol-impaired driving deaths in Texas last year (25.37% of all fatalities), drunk driving remains a serious problem in Erath County. These accidents are 100% preventable, and we hold both the drunk driver and the establishments that served them accountable.

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

Signs of Obvious Intoxication:

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

Potentially Liable Parties:

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

Why Drunk Driving Cases Are Higher Value:

Punitive damages available for gross negligence
Multiple defendants: driver + bar/restaurant
Criminal case strengthens the civil case
Insurance cannot defend the indefensible

Ralph Manginello’s membership in the Harris County Criminal Lawyers Association (HCCLA) gives us unique expertise in handling both the criminal and civil aspects of drunk driving cases.

Motorcycle Accidents

With 585 motorcyclist fatalities in Texas last year, motorcycle accidents are particularly dangerous. In Erath County, riders face risks on rural roads and highways like US 281 and US 377.

Texas Helmet Law:

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

Common Causes of Motorcycle Accidents:

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

Comparative Negligence Issues:
Insurance companies ALWAYS try to blame the motorcyclist. Texas’s 51% bar rule is critically important for motorcycles—if you’re found 51% or more at fault, you recover nothing.

Lupe’s experience helps counter these arguments because he made them for years as a defense attorney.

Pedestrian Accidents

With 6,095 pedestrian crashes in Texas last year resulting in 768 fatalities, pedestrians are the most vulnerable road users. In Stephenville, pedestrians face risks on busy streets and near Tarleton State University.

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 in Pedestrian Accidents:

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

Rideshare Accidents (Uber/Lyft)

Rideshare services like Uber and Lyft have transformed transportation in Stephenville, but accidents involving these vehicles present unique legal challenges.

Rideshare Insurance Phases:

Phase	Driver Status	Coverage Available
0 – Offline	App off, personal use	Personal insurance only (TX minimum: 30/60/25)
1 – Waiting	App on, no ride request	Contingent coverage: $50K/$100K/$25K
2 – Accepted	Ride accepted, en route to pickup	Full commercial: $1,000,000 liability
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 complexity requires experienced legal representation.

Who Can Be Injured:

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

Hit and Run Accidents

Hit and run accidents are a serious problem, with one occurring every 43 seconds in the U.S. If you’re the victim of a hit and run in Stephenville, your Uninsured Motorist (UM) coverage can provide compensation.

Texas Penalties for Hit and Run:

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

Evidence Urgency:

Surveillance footage is typically deleted in 7-30 days
Witnesses disperse quickly
We send preservation letters immediately to secure critical evidence

Tesla/Autopilot and Electric Vehicle Accidents

As electric vehicles become more common in Stephenville, accidents involving these advanced vehicles present new legal challenges.

Notable Tesla/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 (case settled April 2024)
August 2025, Miami FL: $240M+ jury verdict against Tesla (landmark case)

Key Liability Arguments:

Tesla marketed FSD/Autopilot as safer than human drivers (mischaracterization)
Marketing fostered driver overconfidence (overreliance)
Tesla knew the system couldn’t detect emergency vehicles (known defects)
OTA software updates instead of comprehensive fixes (inadequate recall)

NHTSA Data:
Tesla Autopilot accounts for 70% of driver-assist crashes reported to NHTSA. In December 2023, Tesla recalled 2+ million vehicles for safety issues.

Delivery Vehicle Accidents (Amazon, FedEx, UPS)

With the growth of e-commerce, delivery vehicle accidents have become more common in Stephenville. These cases often involve complex liability issues.

Amazon DSP Liability:
Amazon Delivery Service Partners (DSPs) are contractually required to “defend and indemnify” Amazon, but accidents involving these vehicles can still result in significant claims.

Key Verdicts:

2024 Georgia child struck: $16.2M (Amazon 85% responsible)
2024 Lopez v. All Points 360: $105M (Amazon DSP)
Grubhub wrongful death lawsuit (Arizona): Driver distracted by app

Why These Cases Are Higher Value:

Trucks are 3x the size and weight of passenger cars = more severe injuries
$1M+ liability insurance policies are required
No jury sympathy for corporate defendants
Business models encourage dangerous behavior

Work Zone Accidents

With nearly 28,000 crashes in Texas work zones last year resulting in 215 deaths (a 12% increase from the previous year), work zone safety is a serious concern in Erath County.

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

Bus Accidents

With 1,110 bus accidents in Texas last year, including 17 fatal crashes, bus accidents are a significant concern. Texas leads all states in total bus crashes.

School Bus Statistics (2023):

2,523 school bus crashes
11 deaths
63 serious injuries
10,000+ students injured

Construction Zone Accidents

Construction zones are particularly dangerous, with nearly 28,000 crashes in Texas work zones last year. These areas see a mix of local and through traffic, often with confusing signage and lane changes.

Bicycle Accidents

With 78 cyclist fatalities in Texas last year, bicycle accidents are a serious concern. Cyclists are particularly vulnerable on rural roads and in areas without dedicated bike lanes.

Texas 51% Bar Rule:
Insurance companies often use comparative negligence arguments against cyclists. We counter these arguments with our deep understanding of Texas law and accident reconstruction expertise.

Ambulance and Emergency Vehicle Accidents

Accidents involving emergency vehicles present unique legal challenges due to governmental immunity issues and special notice requirements.

Commercial Vehicle Accidents

Commercial vehicle accidents, similar to trucking accidents, often involve higher insurance limits and corporate defendants.

Distracted Driving Accidents

With 380 deaths in Texas attributed to distracted driving, this remains a serious issue. Modern distractions include not only texting but also streaming, social media, and in-car entertainment systems.

Weather-Related Accidents

Texas drivers are often unprepared for rare but dangerous weather conditions like ice, heavy rain, and fog. These conditions can make rural roads like those in Erath County particularly hazardous.

Intersection Accidents

With 1,050 deaths at intersections in Texas, these are among the most dangerous locations. T-bone collisions, left-turn accidents, and red-light running are common causes.

Boat and Maritime Accidents

For residents near Lake Proctor or other waterways in Erath County, boat accidents can result in serious injuries.

“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” – Attorney911

E-Scooter and E-Bike Accidents

As e-scooters and e-bikes become more popular in Stephenville, accidents involving these vehicles are increasing.

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

If an e-bike exceeds these standards, it may be classified as a motor vehicle with different legal and insurance implications.

Why Stephenville Residents Choose Attorney911

Local Knowledge

We understand the unique challenges faced by Stephenville and Erath County residents. Our knowledge of local courts, judges, and insurance adjusters gives us an advantage in your case.

Personal Attention

Unlike high-volume firms, we provide personal attention to each client. You’ll work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers.

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

Proven Results

Our track record speaks for itself. We’ve recovered millions for car accident victims across Texas, including cases settling in the millions.

Insurance Defense Advantage

Lupe Peña’s years working for a national defense firm give us unique insight into how insurance companies operate. He knows their tactics because he used them for years.

“Lupe’s insider knowledge from years at a national defense firm is your advantage.” – Attorney911

Contingency Fee – No Risk to You

We work on a contingency fee basis—you pay nothing unless we win your case. There are no upfront costs, and we advance all case expenses.

Call Attorney911 Today

If you’ve been injured in a car accident in Stephenville or anywhere in Erath County, don’t wait. Evidence disappears every day, and the insurance company is already building its case against you.

Call Attorney911 now at 1-888-ATTY-911 (1-888-288-9911) for a free consultation. We don’t get paid unless we win your case.

Se habla español. Lupe Peña and our team are ready to help Spanish-speaking clients.

You don’t have to face this alone. Let Attorney911 fight for the compensation you deserve.