Motor Vehicle Accident Lawyers in Florence, Texas | Attorney911

If you’ve been injured in a car accident in Florence, Texas, you’re not alone. With one motor vehicle crash occurring every 57 seconds in Texas and over 250,000 people injured annually, accidents are a constant reality on our roads. At Attorney911, we understand the overwhelming fear, confusion, and physical pain you’re experiencing. Our team, led by Ralph Manginello with over 25 years of experience, is here to fight for the compensation you deserve while you focus on healing.

Florence and the surrounding Williamson County area see their share of traffic incidents, from collisions on Highway 190 to accidents at busy intersections. Whether you were rear-ended on FM 970 or involved in a serious crash on I-35, our Florence car accident lawyers have the local knowledge and legal expertise to navigate your case through the Williamson County courts.

The Reality of Car Accidents in Florence, Texas

In Texas, we see:

1 crash every 57 seconds
1 person injured every 2 minutes and 5 seconds
4,150 fatalities in 2024 alone

These aren’t just numbers – they represent real people in Florence and across Williamson County whose lives have been disrupted by motor vehicle accidents. The roads around Florence, including Highway 190, FM 970, and the I-35 corridor, present unique challenges for drivers. Whether it’s distracted drivers on their way to Austin, fatigued truckers passing through, or local residents navigating Florence’s streets, accidents happen far too often.

Ralph Manginello, our managing partner, has been handling car accident cases since 1998. With his federal court admission to the Southern District of Texas and experience in complex litigation like the BP explosion case, he brings unmatched expertise to every case we handle in Florence and throughout Williamson County.

Common Types of Motor Vehicle Accidents in Florence

Car Accidents (Tier 1 – Most Common)

Car accidents are the most frequent type of motor vehicle collision we see in Florence and Williamson County. These incidents range from minor fender-benders to catastrophic crashes resulting in life-altering injuries.

Common causes in Florence:

Distracted driving (texting, phone use)
Speeding on Highway 190 or FM 970
Failure to yield at intersections
Running red lights in Florence’s downtown area
Following too closely on I-35
Drunk or impaired driving
Weather-related accidents on rural roads

Common injuries we see:

Whiplash and soft tissue injuries
Herniated or bulging discs
Broken bones and fractures
Traumatic brain injuries (TBI)
Spinal cord injuries
Internal organ damage
Lacerations and contusions

Case Example:

“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.”

What This Means for You:
If you’ve suffered serious injuries in a Florence car accident, don’t let insurance companies pressure you into accepting a low settlement. We know how to document the full extent of your injuries and fight for maximum compensation.

Testimonial:

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

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

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

Florence sits along major trucking corridors, including I-35, which sees heavy commercial traffic. With 39,393 commercial motor vehicle crashes in Texas in 2024, trucking accidents are a serious concern for Florence residents.

Texas trucking statistics:

608 trucking fatalities in 2024
1,601 serious injuries
Texas accounts for 11% of ALL fatal truck crashes nationwide
549 fatal truck accidents resulting in 620 deaths

Why trucking accidents are more dangerous:

A fully loaded 18-wheeler can weigh up to 80,000 pounds
Compared to a 4,000-pound passenger car, this size disparity leads to catastrophic injuries
Multiple liable parties: driver, trucking company, cargo loader, manufacturer
Higher insurance limits ($750,000 to $5,000,000+ policies)

Federal Motor Carrier Safety Administration (FMCSA) Regulations:
Truck drivers and companies must follow strict federal regulations, including:

Hours of Service (HOS): Maximum 11 hours driving after 10 consecutive hours off-duty
14-Hour Window: Cannot drive beyond 14th consecutive hour on duty
30-Minute Break: Required after 8 cumulative hours driving
60/70-Hour Limit: Cannot drive after 60/70 hours on-duty in 7/8 consecutive days
Electronic Logging Devices (ELDs): Mandatory since 2017 to track compliance

Our Firm’s Trucking Accident Expertise:

“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.”

Why This Matters for Florence Residents:
With I-35 running through Williamson County and heavy truck traffic passing through Florence, trucking accidents are a real threat. Our experience with federal court cases and complex litigation means we’re prepared to take on trucking companies and their insurers.

Nuclear Verdicts in Trucking Cases:

2024 Oncor Electric: $37.5 million verdict (distracted truck driver)
2024 New Prime I-35 pileup: $44.1 million verdict (6 deaths)
2024 Ben E. Keith (Fort Worth): $35 million settlement

Evidence Preservation is Critical:

ELD/black box data can be overwritten in 30-180 days
Trucking companies may “lose” maintenance records
Witness memories fade quickly

Call 1-888-ATTY-911 immediately if you’ve been involved in a trucking accident in Florence or on I-35.

Drunk Driving Accidents (Tier 1 – Preventable Tragedies)

Drunk driving accidents are particularly devastating because they’re 100% preventable. In Texas, 1,053 people were killed in alcohol-impaired driving crashes in 2024, accounting for 25.37% of all traffic fatalities.

Texas drunk driving statistics:

Over 24,000 DWI-related crashes in 2023
1 death every 39 minutes nationally from alcohol-impaired driving
Legal limit: 0.08% BAC (Texas Penal Code § 49.04)

Dram Shop Liability in Texas:
Under Texas Alcoholic Beverage Code § 2.02, establishments can be held liable if they serve alcohol to someone who is “obviously intoxicated” and that person 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)

Punitive Damages in Drunk Driving Cases:
Texas allows punitive damages for gross negligence or malice. Drunk driving often qualifies, allowing juries to punish the defendant and deter similar conduct.

Our Firm’s Drunk Driving Case Experience:
Ralph Manginello’s membership in the Harris County Criminal Lawyers Association (HCCLA) gives us unique insight into both the criminal and civil aspects of drunk driving cases. We’ve successfully handled numerous DWI-related cases, including:

DWI dismissal: Breathalyzer machine improperly maintained
DWI dismissal: No breath/blood test, missing hospital notes
DWI dismissal: Video evidence showed client not drunk

What This Means for You:
If you’ve been injured by a drunk driver in Florence or Williamson County, you may have multiple avenues for compensation. We investigate every angle, including dram shop liability against bars or restaurants that over-served the driver.

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

Motorcycle Accidents (Tier 2)

Motorcycle accidents often result in severe injuries due to the lack of protection for riders. In 2024, Texas saw 585 motorcyclist fatalities, with 37% of those killed not wearing helmets.

Texas motorcycle statistics:

90%+ of fatal motorcycle accident victims are male
Helmets reduce the risk of death by 37%
Harris County leads Texas in motorcycle fatalities

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

Common causes of motorcycle accidents in Florence:

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

Comparative Negligence in Motorcycle Cases:
Texas uses the 51% bar rule, which is particularly important for motorcyclists. Insurance companies often try to blame riders for accidents, even when the other driver is clearly at fault.

Our Advantage:
Lupe Peña’s experience as a former insurance defense attorney gives us unique insight into how insurance companies approach motorcycle accident claims. He knows the arguments they’ll make to reduce your compensation and how to counter them effectively.

Call Attorney911 at 1-888-ATTY-911 if you’ve been injured in a motorcycle accident in Florence or Williamson County.

Pedestrian Accidents (Tier 2)

Pedestrians are the most vulnerable road users, and accidents involving pedestrians often result in catastrophic injuries. In Texas, pedestrians account for only 1% of crashes but 19% of all roadway deaths.

Texas pedestrian statistics (2024):

6,095 pedestrian crashes
768 pedestrian fatalities
1,454 serious pedestrian injuries

Critical Legal Point for Pedestrians:
Pedestrians ALWAYS have the right-of-way at intersections under Texas law – even at unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you.

Common pedestrian injuries:

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

What This Means for Florence Residents:
With Florence’s growing downtown area and pedestrian traffic, understanding pedestrian rights is crucial. If you’ve been hit by a car while walking in Florence, you may be entitled to significant compensation.

Call 1-888-ATTY-911 for a free consultation with our Florence pedestrian accident lawyers.

Rideshare Accidents (Uber/Lyft) (Tier 2)

Rideshare accidents present unique challenges due to the complex insurance coverage involved. With 11 billion rideshare trips in the US since 2010, accidents are inevitable.

Rideshare accident statistics:

21% of rideshare accident victims are riders
21% are rideshare drivers
58% are third parties (other drivers, pedestrians)

Critical: Rideshare Insurance Phases

Phase	Driver Status	Coverage Available
Period 0 – Offline	App off, personal use	Personal insurance only (Texas minimum: $30K/$60K/$25K)
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 complexity is why you need an experienced rideshare accident attorney who understands these phases.

Our Advantage:
Lupe Peña’s insurance defense background gives us unique insight into how rideshare companies and their insurers handle claims. We know how to identify the correct insurance phase and maximize your recovery.

If you’ve been injured in a rideshare accident in Florence, call 1-888-ATTY-911 immediately.

Hit and Run Accidents (Tier 2)

Hit and run accidents are particularly frustrating because the at-fault driver flees the scene. Nationally, someone is involved in a hit-and-run accident every 43 seconds.

Texas hit and run 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

Your Recovery Options:
If the at-fault driver is unidentified, your own Uninsured Motorist (UM) coverage can compensate you. Texas allows inter-policy stacking, which means you may be able to combine coverage from multiple vehicles on your policy.

Evidence Preservation is Critical:

Surveillance footage is typically deleted within 7-30 days
Witnesses may become unreachable
Physical evidence at the scene disappears quickly

Our Hit and Run Accident Services:
We send preservation letters to businesses near the accident scene to secure surveillance footage before it’s deleted. We also investigate thoroughly to identify the fleeing driver when possible.

If you’ve been the victim of a hit and run in Florence or Williamson County, call 1-888-ATTY-911 immediately.

Tesla/Autopilot and Advanced Vehicle Accidents (Tier 2)

As electric and autonomous vehicles become more common, we’re seeing new types of accidents involving advanced driver assistance systems like Tesla’s Autopilot and Full Self-Driving (FSD).

Notable Autonomous Vehicle Crashes:

May 2016: First US Autopilot fatality – Tesla failed to detect white 18-wheeler
March 2018: Apple engineer killed in Mountain View, CA (settled April 2024)
August 2025: $240M+ jury verdict against Tesla (landmark case)

NHTSA Data on Tesla:

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

Key Liability Arguments in AV Cases:

Tesla marketed FSD/Autopilot as safer than human drivers
Marketing fostered driver overconfidence and overreliance
Tesla knew system couldn’t detect emergency vehicles
OTA software updates instead of comprehensive fixes

Our Firm’s Capability:
With Ralph Manginello’s federal court admission and experience in complex litigation like the BP explosion case, we’re well-equipped to handle product liability claims against major corporations like Tesla.

If you’ve been injured in an accident involving a Tesla or other advanced vehicle in Florence, call 1-888-ATTY-911 for a free consultation.

What to Do Immediately After an Accident in Florence

48-Hour Immediate Action Protocol

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: Get to the ER immediately, even if you feel fine. Adrenaline masks injuries.
Document Everything: Take photos of all vehicle damage, the accident scene, road conditions, and any visible injuries
Exchange Information: Get the other driver’s name, phone, address, insurance information, driver’s license, and license plate number
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
Physical Evidence: Secure damaged clothing, glasses, or personal items
Medical Records: Request copies of all ER and hospital records
Insurance Communications: Note any calls from insurance companies but do NOT give recorded statements
Social Media: Make all profiles private and do NOT post about the accident

Hour 24-48 (Strategic Decisions):

Legal Consultation: Speak with an experienced motor vehicle accident attorney
Insurance Response: Refer all insurance communications to your attorney
Settlement Offers: Do NOT accept or sign anything without lawyer review
Evidence Backup: Upload all photos and documents to cloud storage

Week One Priorities:

Continue documenting all injuries and medical treatment
Follow all doctor’s recommendations
Let your attorney handle all insurance communication
Focus on your recovery

Evidence Deterioration Timeline

Timeframe	What Disappears
Day 1-7	Witness memories begin fading, skid marks fade
Day 7-30	Surveillance footage deleted (gas stations: 7-14 days, retail: 30 days)
Month 1-2	Insurance companies solidify their defense position
Month 2-6	ELD/black box data from trucks can be overwritten (30-180 days)
Month 6-12	Witnesses become harder to locate, memories severely degraded
Month 12-24	Approaching statute of limitations deadline

Call Attorney911 at 1-888-ATTY-911 immediately to preserve critical evidence.

Texas Motor Vehicle Accident Law

Statute of Limitations

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

Exceptions:

Discovery Rule: SOL may start later if injury wasn’t immediately discoverable
Defendant Absence: Tolled if defendant leaves Texas
Mental Incapacity: Tolled during incapacity

Critical: Miss the deadline and your case is barred forever.

Comparative Negligence (51% Bar Rule)

Texas uses modified comparative negligence with a 51% bar:

If you’re 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

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 can cost you thousands.

Our Advantage:
Lupe Peña’s experience as a former insurance defense attorney gives us unique insight into how insurance companies approach comparative fault. He knows the arguments they’ll make to reduce your compensation and how to counter them effectively.

Texas Minimum Auto Insurance Requirements

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 is critical for protection
Texas allows inter-policy stacking

How Insurance Companies Try to Minimize Your Claim

At Attorney911, we have a unique advantage in dealing with insurance companies. Lupe Peña, one of our attorneys, worked for years at a national defense firm, learning firsthand how large insurance companies value claims.

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

Tactic #1: Quick Contact & Recorded Statement (Days 1-3)

What They Do:
Insurance adjusters contact you immediately – often while you’re still in the hospital or on pain medication. They act friendly and helpful, saying things like:

“We just want to help you”
“We need your side of the story to process your claim”
“This is routine, everyone does this”

What They’re Really Doing:
They’re building their defense against you with leading questions designed to minimize your injuries and shift blame:

Question They Ask	What They Want You to Say
“You’re feeling better now though, right?”	Trap you into saying you’re improving
“It wasn’t that bad of an impact, was it?”	Minimize collision severity
“You were able to walk away from the scene?”	Suggest injuries aren’t serious
“Were you distracted at all?”	Get you to admit distraction
“How fast were you going?”	Hope you overestimate or say “I don’t know”

The Truth:

You are NOT required to give a recorded statement to the other driver’s insurance
Giving a statement without an attorney almost always hurts your case
Insurance companies know this – that’s why they push so hard

How We Counter:
Once you hire Attorney911:

We become your voice
All calls go through us
You don’t talk to adjusters
We prepare you properly if a statement becomes absolutely necessary
We sit with you during any statements

We know their questions because Lupe asked them for years.

Tactic #2: Quick Settlement Offer (Weeks 1-3)

What They Do:
Within days or weeks of your accident, the insurance company offers you quick money:

Typical offers: $2,000-$5,000
Sometimes $10,000-$15,000 if they’re scared
Sounds good when you have mounting bills and no income

The Trap:
You don’t know the extent of your injuries yet. Consider this scenario:

What Happens	Result
Day 3: Insurance offers $3,500 “final settlement”	You’re desperate, in pain, scared
You sign the release	You think it’s over
Week 6: MRI shows herniated disc requiring surgery	Surgery costs $100,000
TOO LATE	You signed the release, can’t reopen claim
You pay $100,000 out of pocket	Insurance pays nothing more

The release is permanent and final.

How We Counter:
NEVER settle before reaching Maximum Medical Improvement (MMI) – the point where you’ve recovered as much as you’re going to. This could be 6 months, 12 months, or 24+ months depending on your injuries.

We know these offers are always lowball because Lupe calculated these lowball offers for years – he knows they’re offering 10-20% of true value.

Tactic #3: “Independent” Medical Exam (IME) (Months 2-6)

What They Call It:
“Independent Medical Examination”

What It Really Is:
An insurance company-hired doctor whose job is to minimize your injuries.

How They Choose IME Doctors:
Insurance companies select doctors based on:

Who gives insurance-favorable reports (not who’s most qualified)
Doctors who consistently find “no injury” or “pre-existing condition”
Doctors paid thousands by insurance companies ($2,000-$5,000 per exam)
Repeat business = repeat favorable reports

What Happens at the IME:

10-15 minute “examination” (vs. your treating doctor’s thorough evaluation)
Rarely review your complete medical records beforehand
Ask questions designed to elicit “I’m feeling better” responses
Look for any reason to minimize your injuries

Common IME Doctor Findings:

What They Say	What It Means
“Patient has pre-existing degenerative changes”	Everyone over 40 has some arthritis – used to deny claims
“Injuries consistent with minor trauma”	Minimizes your pain and suffering
“Patient can return to full duty work”	Eliminates lost wage claims
“Treatment has been excessive”	Attacks your treating doctors
“Subjective complaints out of proportion to objective findings”	Medical speak for calling you a LIAR

How We Counter:

We prepare you extensively before the exam
We send your complete medical records to the IME doctor first (forcing them to review)
We challenge biased IME reports with our own medical experts
Lupe knows these specific doctors and their biases – he hired them for years

Tactic #4: Delay and Financial Pressure (Months 6-12+)

What They Do:
They drag your case out, hoping you’ll get desperate:

“Still investigating your claim”
“Waiting for medical records” (that we sent months ago)
“Reviewing your file”
“Need additional information”
Ignore calls and emails
Take weeks to respond to simple questions

Why Delay Works:
Insurance Companies Have:

Unlimited time
Unlimited resources
No financial pressure
Earning interest on YOUR settlement money while delaying

You Have:

Mounting bills
Zero income
Creditors threatening
Need money NOW

Financial Desperation Makes You Accept Less:

Month 1: You’d reject a $5,000 offer
Month 6: You’d seriously consider $5,000
Month 12: You’d BEG for $5,000 just to end the nightmare

How We Counter:

We file a lawsuit to force deadlines
We set depositions, forcing them to produce witnesses
We prepare for trial, showing we’re serious
Lupe understands delay tactics because he used them – knows when to push

Tactic #5: Surveillance and Social Media Monitoring

What They Do:
They hire private investigators to:

Video you doing daily activities
Film from public places (your driveway, street, stores)
Follow you to appointments, errands, social activities
Look for any activity that contradicts your injury claims
One video of you bending over = “Not really injured”

They Monitor ALL Your Social Media:

Facebook, Instagram, TikTok, LinkedIn, Twitter, YouTube, Snapchat
Screenshot EVERYTHING: photos, posts, check-ins, comments, likes
Monitor your friends’ profiles for posts mentioning you
Use facial recognition to find photos you’re tagged in
Archive your entire social media history

Examples We’ve Defended:

Example	What Happened	Insurance Claimed	Reality
Old Photo	Gym photo from 3 YEARS AGO	Presented as recent, contradicts injury	We proved metadata was pre-accident
Restaurant Check-in	Facebook check-in at restaurant	“Partying and having fun”	Sitting quietly having dinner
Friend’s Comment	Friend posted “Had fun yesterday!”	Evidence of non-injury	Client was resting at home
Walking Dog	Video of client walking dog slowly	“Not disabled”	Doctor RECOMMENDED short walks
Smiling in Photo	Family photo smiling	“Not in pain – she’s smiling!”	Everyone smiles for photos

7 Rules for Clients:

Make ALL profiles private immediately
DON’T post about the accident, injuries, activities, or emotions
DON’T check in anywhere
Tell friends/family: don’t tag you, don’t post about you
Don’t accept friend requests from strangers (fake profiles)
BEST: Stay off social media entirely during your case
Assume EVERYTHING is being monitored

Lupe’s Insider Quote:

“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.”

Tactic #6: Comparative Fault Arguments

What They Do:
They try to assign you maximum fault to reduce their payment:

“You were speeding” (without evidence)
“You weren’t paying attention” (speculation)
“You could have avoided this” (hindsight bias)
“You were distracted” (guessing)
“You contributed to this accident” (shifting blame)

Why They Do This:
Texas’s 51% bar rule means:

If you’re 51%+ at fault → You get NOTHING
If you’re 50% or less at fault → Your damages are reduced by your percentage

Even Small Fault Percentages Cost Thousands:

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

How We Counter:

Aggressive liability investigation
Accident reconstruction proving the other driver’s fault
Witness statements supporting your version
Police report analysis emphasizing citations
Expert testimony on perception-reaction time

Lupe knows their fault arguments because he made them for years – now he defeats them.

How Colossus Software Undervalues Your Claim

How Insurance Companies Actually Value Your Claim

Lupe Peña knows this system from the inside – he used these systems for years when he worked for insurance companies.

What is Colossus?

Colossus is a computerized claim valuation system used by Allstate, State Farm, Liberty Mutual, and other major insurers. Adjusters input data about your case, and the software outputs a recommended settlement range.

How Colossus Works:

Data Entry: Adjuster inputs injury codes, treatment types, costs, and jurisdiction
Coding: Your injuries are coded using standardized medical terms
Calculation: The software applies algorithms to determine “value”
Range Output: System provides recommended settlement range
Authority: Adjuster typically cannot exceed this range without supervisor approval

How Insurance Companies Manipulate Colossus:

Manipulation	Effect
Low Injury Codes	“Soft tissue strain” instead of “disc herniation” reduces value 50-100%
Excessive Treatment Flags	Therapy beyond “normal” range triggers reduction
Conservative Treatment Penalty	Chiropractic valued less than MD treatment
Pre-Existing Reduction	Any prior condition used to reduce value
Jurisdiction Factor	Low-verdict counties get lower values

Why Lupe’s Experience Matters:

He knows how to code injuries properly for maximum value
He knows which medical terms trigger higher valuations
He knows when Colossus output is artificially low
He knows how to present medical records to beat the algorithm
He worked with these systems for years as a defense attorney

Reserve Setting Psychology:

What Reserves Are:

Money the insurance company sets aside for your claim
Based on worst-case scenario (their estimate of trial verdict)
Adjuster usually cannot settle for more than reserve without approval

How We Increase Reserves:

Hiring experts (shows we’re investing in the case)
Taking depositions (creates litigation expense)
Filing a lawsuit (forces trial evaluation)
Preparing for trial (shows we won’t back down)

Lupe understands reserve psychology and settlement authority limits – this is a game-changing advantage.

Types of Compensation You Can Recover

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 in Texas)

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 damages + 1x non-economic damages, capped at $750,000 for non-economic portion)

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 you 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 in Texas

What Are Nuclear Verdicts?

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

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 give us leverage in every negotiation.

Why Choose Attorney911 for Your Florence, Texas 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.”

What This Means for Your Case:

We know their tactics because Lupe used them
We anticipate their strategies before they deploy them
We know how they value claims internally
We know which IME doctors they favor
We know how to beat their algorithms
We speak their language

No other firm in Florence or Williamson County has this advantage.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for victims of:

Brain injuries: “Multi-million dollar settlement for client who suffered brain injury with vision loss”
Amputations: “This case settled in the millions”
Trucking wrongful death: “Recovered millions of dollars in compensation”
Maritime injuries: “Significant cash settlement”

Our results prove we don’t settle cheap.

3. Federal Court Experience

Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas.

Why This Matters:

Complex cases often end up in federal court
FMCSA trucking regulations are federal
Diversity jurisdiction for out-of-state defendants
Federal court requires different skills than state court

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

4. Personal Attention

What Our Clients Say:

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

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

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

You work directly with Ralph or Lupe, not a case manager assembly line.

5. Contingency Fee – No Risk to You

“We don’t get paid unless we win your case.”

Free consultation
No upfront costs
No hourly billing
We advance all case costs
You pay nothing unless we recover for you

Testimonial:

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

Frequently Asked Questions About Motor Vehicle Accidents in Florence, Texas

Immediate After Accident

1. What should I do immediately after a car accident in Florence, Texas?

If you’ve been in an accident in Florence or Williamson County:

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 Florence and Williamson County, you can obtain the police report from the responding agency 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 and your case is 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 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

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 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. The multiplier depends on: injury severity, permanency, impact on life, clear liability. Example: $100,000 medical × 4 multiplier = $400,000 pain & 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 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.

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.

Attorney911 Serves All of Texas, Including Florence and Williamson County

Attorney911 is based in Houston but serves clients throughout Texas, including Florence and all of Williamson County. With offices in Houston, Austin, and Beaumont, we’re never far from where you need us.

Our Service Areas in Central Texas:

Williamson County: Florence, Georgetown, Round Rock, Cedar Park, Leander, Taylor, Hutto, Liberty Hill, Jarrell
Travis County: Austin, Pflugerville, Manor
Bell County: Temple, Killeen
Milam County: Rockdale, Cameron
Burnet County: Marble Falls, Burnet

Why Local Knowledge Matters:

We understand the unique traffic patterns in Florence and Williamson County
We’re familiar with local courts and judges
We know the insurance adjusters who handle claims in this area
We understand the local economy and wage levels for lost earnings calculations
We can quickly access local medical providers and experts

Our Offices:

Houston (Primary):
3200 Travis St, Suite 220
Houston, TX 77006
Serving Harris, Montgomery, Fort Bend, Brazoria, and Galveston Counties

Austin:
Serving Travis, Williamson, Hays, and Bastrop Counties

Beaumont:
Serving Jefferson, Orange, and Hardin Counties

Call 1-888-ATTY-911 from anywhere in Texas for a free consultation.

Contact Attorney911 Today

If you’ve been injured in a motor vehicle accident in Florence, Texas, don’t wait. Evidence disappears daily, and the insurance company is already building its case against you.

Call 1-888-ATTY-911 now for a free consultation.

Free case evaluation
No obligation
No upfront costs
We don’t get paid unless we win your case
Available 24/7 for legal emergencies

Hablamos Español – Lupe Peña and our team are fluent in Spanish and ready to help Spanish-speaking clients.

Testimonial:

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

Don’t face this alone. Let the experienced Florence car accident lawyers at Attorney911 fight for the compensation you deserve while you focus on your recovery. Call 1-888-ATTY-911 today.