Car Accidents in Fannin County, Texas: How Attorney911 Fights for Your Recovery

If you’ve been injured in a car accident in Fannin County, Texas, you’re not alone. With over 251,977 people injured in Texas motor vehicle crashes last year alone – that’s one person injured every 2 minutes and 5 seconds – car accidents are an unfortunate reality on our roads. Whether you were rear-ended on Highway 82, involved in a T-bone collision at the intersection of Main Street and Center Street, or sideswiped on FM 100, the aftermath can be overwhelming. At Attorney911, we understand the physical pain, emotional stress, and financial uncertainty you’re facing. With Ralph Manginello’s 25+ years of experience handling car accident cases across Texas, including Fannin County, we’re here to fight for the compensation you deserve.

The Reality of Car Accidents in Fannin County

Fannin County sees its share of traffic accidents, from minor fender-benders to catastrophic collisions. The mix of rural roads, state highways, and local traffic creates unique challenges for drivers. Highway 82, running through the heart of the county, is a particularly dangerous stretch where high speeds and distracted driving often lead to serious accidents. The intersection of Main Street and Center Street in Bonham has also been identified as a high-risk area for collisions.

With a crash occurring every 57 seconds somewhere in Texas, the odds are unfortunately high that you or someone you know will be involved in a car accident. In Fannin County, we’ve seen accidents caused by:

• Distracted driving (texting, phone use, eating)
• Speeding and aggressive driving
• Failure to yield right-of-way
• Running red lights and stop signs
• Driving under the influence of alcohol or drugs
• Poor weather conditions (rain, fog, ice)
• Vehicle equipment failures

The consequences can be devastating. Even what seems like a minor accident can result in serious injuries that impact your life for months or years to come.

Common Injuries from Car Accidents

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

Whiplash and Soft Tissue Injuries

These are among the most common car accident injuries, often resulting from rear-end collisions. While they may seem minor, whiplash can cause chronic pain and limit your mobility for months or even years. Symptoms may not appear immediately, which is why it’s crucial to seek medical attention right away.

Herniated Discs

The force of a collision can cause the discs between your vertebrae to bulge or rupture. This can lead to severe back pain, numbness, and weakness in your arms or legs. Herniated discs often require extensive treatment, including physical therapy, injections, or even surgery.

Broken Bones and Fractures

The impact of a car accident can easily break bones in your arms, legs, ribs, or pelvis. Some fractures may require surgery to repair, and you may need months of rehabilitation before you can return to normal activities.

Traumatic Brain Injuries (TBI)

Even a minor bump to the head can cause a traumatic brain injury. TBIs range from mild concussions to severe brain damage that can affect your cognitive abilities, memory, and personality. Symptoms may not appear immediately, making early diagnosis critical.

Spinal Cord Injuries

These catastrophic injuries can result in partial or complete paralysis. The lifetime costs of caring for a spinal cord injury can exceed millions of dollars, making it crucial to pursue full compensation.

Internal Organ Damage

The force of a collision can cause internal bleeding or damage to organs like the liver, spleen, or kidneys. These injuries can be life-threatening if not treated immediately.

Psychological Injuries

The emotional trauma of a car accident can be just as debilitating as physical injuries. Many accident victims experience anxiety, depression, or post-traumatic stress disorder (PTSD), which can affect their ability to drive or even ride in a car again.

Why Insurance Companies Are Already Working Against You

After an accident, you might think the insurance company is there to help. The truth is, they’re already building a case against you. Here’s what they’re doing behind the scenes:

The Recorded Statement Trap

Within hours or days of your accident, an insurance adjuster will likely call you, sounding friendly and concerned. They’ll ask you to give a recorded statement about what happened. What they won’t tell you is that they’re looking for any way to minimize your claim. They’ll ask leading questions designed to get you to say things that hurt your case, like:

• “You’re feeling better now, right?”
• “It wasn’t that bad of an impact, was it?”
• “You were able to walk away from the scene?”

Lupe Peña, our associate attorney who spent years working for insurance companies, knows this tactic well. “I used to ask these same questions when I worked for the defense,” Lupe explains. “Now I use that knowledge to protect our clients. Never give a recorded statement without an attorney present.”

The Quick Settlement Offer

Insurance companies often make lowball settlement offers within days of an accident. These offers might seem tempting when you’re facing mounting medical bills and lost wages, but they’re almost always far below what your case is truly worth. Once you accept a settlement, you can’t go back for more money – even if your injuries turn out to be more serious than you initially thought.

The “Independent” Medical Exam (IME)

If you don’t accept their lowball offer, the insurance company may require you to undergo an “independent” medical exam. In reality, these exams are conducted by doctors hired by the insurance company to minimize your injuries. They’ll spend 10-15 minutes with you and then write a report claiming your injuries aren’t as serious as you say.

Lupe knows this tactic inside and out. “I hired these same IME doctors when I worked for insurance companies,” he says. “They’re not independent – they’re paid to find ways to reduce your claim. We know how to counter their reports with our own medical experts.”

Surveillance and Social Media Monitoring

Insurance companies will monitor your social media accounts, looking for any photos or posts that contradict your injury claims. They may even hire private investigators to follow you and record your activities. One photo of you smiling at a family gathering could be used to argue that you’re not really in pain.

Delay, Deny, Defend

If all else fails, insurance companies will drag out your claim, hoping you’ll get desperate and accept a low settlement. They know that the longer they delay, the more financial pressure you’ll face, making you more likely to take whatever they offer.

How Attorney911 Levels the Playing Field

At Attorney911, we have a unique advantage in the fight against insurance companies: Lupe Peña, our associate attorney, spent years working for a national insurance defense firm. He knows their tactics because he used them himself. Now, he uses that insider knowledge to fight for accident victims like you.

We Know Their Playbook

Lupe understands how insurance companies:

• Value claims using software like Colossus
• Select IME doctors who minimize injuries
• Use surveillance to catch victims in “gotcha” moments
• Deploy delay tactics to pressure victims into accepting low settlements

“We know their playbook because we used to write it,” Lupe says. “Now we use that knowledge to anticipate their moves and counter them effectively.”

We Fight for Maximum Compensation

Unlike some firms that push for quick settlements to move on to the next case, we prepare every case as if it’s going to trial. This approach gives us leverage in negotiations and ensures we don’t accept lowball offers.

Our results speak for themselves:

• A multi-million dollar settlement for a client who suffered a brain injury with vision loss when a log dropped on him at a logging company
• In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions.
• We’ve helped numerous families facing trucking-related wrongful death cases recover millions of dollars in compensation

We Handle Everything So You Can Focus on Recovery

When you hire Attorney911, we take care of all the legal details so you can focus on healing:

• We gather evidence, including police reports, witness statements, and medical records
• We send preservation letters to ensure critical evidence isn’t lost
• We handle all communication with insurance companies
• We negotiate with adjusters to maximize your settlement
• If necessary, we file a lawsuit and represent you in court

“You don’t have to face this alone,” says Ralph Manginello, our managing partner. “Our team is here to guide you through every step of the process and fight for the compensation you deserve.”

What to Do After a Car Accident in Fannin County

The actions you take in the hours and days after a car accident can significantly impact your ability to recover compensation. Here’s what you should do:

At the Scene

1. Call 911 – Report the accident and request medical assistance if anyone is injured.
2. Check for injuries – Even if you feel fine, some injuries may not be immediately apparent.
3. Move to safety – If possible, move your vehicle out of traffic to prevent further accidents.
4. Exchange information – Get the other driver’s name, contact information, insurance details, and license plate number.
5. Document the scene – Take photos of the vehicles, the accident scene, any visible injuries, and road conditions.
6. Talk to witnesses – Get names and contact information from anyone who saw the accident.
7. Call Attorney911 – Before speaking to any insurance company, call us at 1-888-ATTY-911 for immediate legal guidance.

In the Days Following the Accident

1. Seek medical attention – Even if you don’t think you’re seriously injured, see a doctor. Some injuries, like whiplash or traumatic brain injuries, may not show symptoms immediately.
2. Follow your doctor’s advice – Attend all follow-up appointments and follow your treatment plan.
3. Document everything – Keep records of all medical treatments, prescriptions, and expenses related to the accident.
4. Don’t give recorded statements – Insurance companies will try to get you to give a recorded statement. Politely decline until you’ve spoken with an attorney.
5. Don’t sign anything – Never sign any documents from an insurance company without having them reviewed by an attorney.
6. Be careful on social media – Insurance companies will monitor your social media accounts. Avoid posting about the accident or your injuries.
7. Call Attorney911 – The sooner you contact us, the sooner we can start building your case and protecting your rights.

Why Choose Attorney911 for Your Fannin County Car Accident Case?

With so many law firms to choose from, why should you trust Attorney911 with your case? Here are five reasons we stand out:

1. We Have an Insurance Defense Insider on Our Team

Lupe Peña, our associate attorney, spent years working for a national insurance defense firm. He knows how insurance companies evaluate claims, select doctors to minimize injuries, and use delay tactics to pressure victims into accepting low settlements. Now, he uses that insider knowledge to fight for accident victims like you.

“We know their tactics because we used them,” Lupe says. “Now we use that knowledge to anticipate their moves and counter them effectively. Having a former insurance defense attorney on your side is an unfair advantage – for you.”

2. We Have a Proven Track Record of Multi-Million Dollar Results

At Attorney911, we don’t just talk about results – we deliver them. Our firm has recovered millions of dollars for car accident victims across Texas, including:

• A multi-million dollar settlement for a client who suffered a brain injury with vision loss
• A multi-million dollar settlement for a car accident victim whose leg injury led to a partial amputation
• Millions recovered for families in trucking-related wrongful death cases

“Our results speak for themselves,” says Ralph Manginello. “We don’t settle for less than our clients deserve.”

3. We Have Federal Court Experience

Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas. This federal court admission allows us to handle complex cases that other firms might avoid, including those involving:

• Trucking accidents with federal regulations
• Product liability claims against vehicle manufacturers
• Cases with out-of-state defendants

Our federal court experience also means we’re prepared to take your case to trial if necessary. Insurance companies know we’re not afraid to go to court, which gives us leverage in negotiations.

4. We Offer Personal Attention from Experienced Attorneys

At Attorney911, you work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers. We believe in providing personal attention to every client.

“When you call Attorney911, you’re not just another case number,” says Chad Harris, a satisfied client. “You are NOT a pest to them and you are NOT just some client… You are FAMILY to them.”

5. We Work on a Contingency Fee Basis – No Fee Unless We Win

We understand that you’re facing financial challenges after a car accident. That’s why we work on a contingency fee basis. This means:

• You pay nothing upfront
• We advance all case costs
• You only pay if we recover compensation for you
• Our fee is a percentage of your recovery

“There’s no financial risk to you,” Ralph explains. “We don’t get paid unless we win your case. That’s our promise to you.”

What Our Clients Say About Us

Don’t just take our word for it. Here’s what our clients have to say about their experience with Attorney911:

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

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

“I lost everything… my car was at a total loss and because of Attorney Manginello and my case worker Leonor… 1 year later I have gained so much in return plus a brand new truck.” – Kiimarii Yup

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

“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.” – Glenda Walker

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

Frequently Asked Questions About Car Accidents in Fannin County

What should I do immediately after a car accident in Fannin County?

If you’ve been in an accident in Fannin County:

1. Call 911 and report the accident
2. Seek medical attention even if you feel fine
3. Document everything: photos of damage, injuries, scene
4. Exchange information with the other driver
5. Get witness names and phone numbers
6. Do NOT give a recorded statement to any insurance company
7. Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance

Should I call the police even for a minor accident?

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

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.

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

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

How do I obtain a copy of the accident report?

In Fannin County, you can obtain the police report from the Fannin County Sheriff’s Office or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

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.

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.

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.

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.

What if the other driver is uninsured or underinsured?

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

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.

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

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 at 1-888-ATTY-911.

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.

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

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.

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

How long will my case take to settle?

It depends on the severity of your injuries. We don’t settle until you’ve reached maximum medical improvement (MMI). This could be 6 months for minor injuries or 18-24 months for serious injuries.

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

What is my case worth?

It 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).

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

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).

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.

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.

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.

How much do car accident lawyers cost?

Attorney911 works on a contingency fee basis: 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

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.

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.”

Who will actually handle my case?

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

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.”

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. Driver’s insurance covers passengers. No comparative fault issues. These cases often settle quickly because liability is clear. We handle the difficult conversation so you don’t have to.

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.

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.

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 within 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.

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. Insurance policy still applies. 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.

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 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.

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.

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.

How do you calculate pain and suffering?

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

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.

Attorney911 Serves All of Fannin County and Beyond

At Attorney911, we’re proud to serve the entire Fannin County community, from Bonham to Honey Grove and all points in between. Our deep understanding of Fannin County’s legal landscape, combined with our Texas-wide expertise, makes us uniquely qualified to handle your car accident case.

We know the local courts that handle personal injury cases in Fannin County, and we’re familiar with the insurance adjusters who work in this area. This local knowledge gives us an advantage when negotiating with insurance companies and presenting your case in court.

While our principal office is in Houston, we regularly handle cases throughout Texas, including Fannin County. Whether you were injured on Highway 82, at the intersection of Main Street and Center Street in Bonham, or anywhere else in the county, we’re here to help.

Don’t Wait – Evidence Disappears Every Day

After a car accident, time is not on your side. Critical evidence can disappear quickly:

• Surveillance footage from nearby businesses is typically deleted within 7-30 days
• Witness memories fade rapidly
• The accident scene changes as roads are repaired and debris is cleared
• Vehicle damage is often repaired before it can be properly documented
• Electronic data from trucks and cars can be overwritten

The insurance company is already building its case against you. The sooner you contact Attorney911, the sooner we can start preserving evidence and protecting your rights.

Call Attorney911 Today: 1-888-ATTY-911

If you or a loved one has been injured in a car accident in Fannin County, don’t face this challenging time alone. The experienced car accident lawyers at Attorney911 are here to help.

Call us today at 1-888-ATTY-911 for a free consultation. We’ll review your case, explain your legal options, and outline a strategy for pursuing the compensation you deserve. Remember, we don’t get paid unless we win your case – so there’s no financial risk to you.

Don’t let the insurance company take advantage of you. With our insider knowledge and proven track record, we’ll fight for every dollar you deserve. Call Attorney911 now – your recovery starts here.