在德克萨斯州，每57秒就发生一起机动车碰撞事故。仅在休斯顿，去年就有119名行人在我们的街道上丧生，哈里斯县还有数千人在车祸中遭受了改变人生的伤害。如果您在I-10、I-45、西环路或休斯顿任何危险路口发生车祸后正在阅读本文，您可能感到不知所措，担心不断增加的医疗账单，并不确定下一步该怎么办。

在Attorney911律师事务所，我们完全理解您正在经历的一切。拥有25年以上为休斯顿事故受害者争取权益的经验，我们已经帮助数百名像您这样的客户在灾难性车祸后获得了数百万美元的赔偿。我们的团队包括一位前保险公司辩护律师，他了解保险公司所有的内部策略——以及如何击败它们。当您拨打1-888-ATTY-911时，您不仅仅是在联系一家律师事务所——您联系的是休斯顿的法律紧急响应团队。

德克萨斯州的车祸现实令人震惊

仅在2024年，德克萨斯州就有251,977人在机动车碰撞事故中受伤——这意味着每2分5秒就有一人受伤。在哈里斯县，情况更加严峻：

• 全州范围内每57秒报告一起车祸
• 119名行人在休斯顿街头丧生（创历史新高）
• I-45海湾高速公路仍然是北美最致命的道路之一
• I-10/I-610立交桥经常发生灾难性碰撞
• Westheimer路和Bissonnet街是严重事故的高风险走廊

这些不仅仅是统计数据——它们代表着休斯顿真实家庭的生活在瞬间被改变。严重车祸的后果可能包括：

• 您无法负担的不断增加的医疗账单
• 因误工而损失的工资
• 永久性残疾，永远改变您的生活
• 影响您家庭的情感创伤
• 保险公司试图尽可能少地支付赔偿

为什么休斯顿的道路如此危险

几个因素使得休斯顿对驾驶员、乘客和行人来说特别危险：

1. 我们的危险路口
   FM 1960和SH 6走廊包含了休斯顿一半的最危险路口。其他高风险区域包括：

• I-610和N. Durham Drive（仅2023年就发生了56起事故）
• 610环路/US-59/I-69立交桥（复杂的合流区）
• 8号环路合流点（交通瓶颈）
• 赫尔曼公园附近的市中心路口

1. 激进的驾驶文化
   休斯顿快节奏、缺乏耐心的驾驶文化导致：

• 超速（占致命车祸的30%）
• 未让行
• 闯红灯
• 尾随和不安全的变道
• 分心驾驶（2024年全州有380人死亡）

1. 休斯顿的独特挑战

• 洪水：暴雨会突然造成水滑危险
• 施工区：2024年德克萨斯州有近28,000起车祸发生在施工区
• 卡车交通：休斯顿的港口和工业基地意味着大量商用车辆的存在
• 多元化人口：多语言驾驶员可能在理解交通法规时面临语言障碍

1. 保险公司的策略手册
   在您发生事故后的几小时内，保险理赔员将开始构建针对您的案件。他们会：

• 在您仍在医院或服用止痛药时给您打电话
• 录下您的陈述以备日后对付您
• 在您尚未了解伤势全貌时提供快速现金
• 将您送到他们的“独立”医生处，这些医生会尽量减轻您的伤势
• 使用监控抓拍您的“抓拍”瞬间
• 拖延您的索赔，希望您接受更少的赔偿

这就是Attorney911独特优势的用武之地。我们的事务所包括Lupe Peña，一位前保险公司辩护律师，他曾为全国性保险公司工作多年。他完全了解他们如何评估索赔，他们青睐哪些医生进行“独立”检查，以及如何击败他们的算法。拥有这些内部知识，可以决定您是得到低价赔偿还是全额赔偿。

休斯顿常见的车祸类型

1. 追尾碰撞
   休斯顿最常见的事故类型

• 通常发生在I-10和US-59等拥堵的高速公路上
• 常见原因：分心驾驶、尾随、突然停车
• 典型伤害：颈椎过度屈伸、椎间盘突出、脑震荡
• 保险策略：“这只是轻微碰撞”以减少您的索赔

Attorney911案例结果：

“我被追尾，团队立即开始工作。他们处理了从医生预约到与保险公司交涉的一切事务。我还得到了一笔非常可观的赔偿。” — MONGO SLADE

1. T型碰撞/路口事故
   最致命的碰撞类型

• 常见于Westheimer & Gessner等路口
• 通常由闯红灯或未让行引起
• 由于侧面撞击力量大，高风险导致灾难性伤害
• 保险策略：“您有最后避免碰撞的机会”

1. 迎面碰撞
   最严重的伤害

• 通常发生在FM 1960等双车道道路上
• 常见原因：逆向行驶、分心驾驶、酒驾
• 由于速度叠加，死亡率高
• 保险策略：“您越过了中心线”以转移责任

1. 侧面刮擦事故
   休斯顿高速公路上的常见事故

• 常见于I-10、I-45和610环路
• 通常由不安全的变道或分心驾驶引起
• 可能导致失控和二次碰撞
• 保险策略：“您处于他们的盲区”

1. 单车事故
   比您想象的更常见

• 通常涉及撞击固定物体，如护栏或灯杆
• 常见原因：超速、天气条件、机械故障
• 保险策略：“您因失控而疏忽”

1. 肇事逃逸事故
   美国每43秒发生一次

• 在休斯顿的住宅区特别常见
• 警方报告对UM/UIM索赔至关重要
• 监控录像通常在7-30天内被删除
• 保险策略：“如果无法确定肇事司机，我们无法赔付”

肇事逃逸后该怎么办：

1. 立即拨打911
2. 获取目击者信息
3. 寻找监控摄像头（商家、Ring门铃）
4. 提交警方报告
5. 联系Attorney911 — 我们会发送保存证据的信函

休斯顿车祸常见伤害

1. 创伤性脑损伤（TBI）
   无声的流行病

• 即时症状：意识丧失、意识混乱、呕吐、癫痫发作
• 延迟症状：头痛加重、记忆问题、性格变化
• 长期影响：CTE（慢性创伤性脑病）、痴呆风险、永久性认知障碍
• 休斯顿资源：Memorial Hermann的一级创伤中心专门治疗TBI

Attorney911案例结果：

“客户在伐木公司被掉落的原木砸伤，导致脑损伤并失明，我们为其争取到数百万美元的赔偿”

1. 脊髓损伤
   改变人生的后果

• 颈椎（颈部）：四肢瘫痪，依赖呼吸机
• 胸椎（中背）：截瘫，依赖轮椅
• 腰椎（下背）：腿部无力，肠道/膀胱功能障碍
• 继发性并发症：压疮、呼吸道感染、抑郁

休斯顿治疗中心：

• TIRR Memorial Hermann（全国排名的康复中心）
• UTMB Galveston（一级创伤中心）

1. 椎间盘突出
   随着时间的推移恶化的隐藏伤害

• 初始治疗：休息、物理治疗、疼痛管理
• 保守治疗失败后：硬膜外注射
• 注射失败后：手术（微创椎间盘切除术或融合术）
• 永久影响：可能无法返回体力劳动工作

椎间盘突出的赔偿范围：

• 保守治疗：70,000-171,000美元
• 需要手术：346,000-1,205,000美元

1. 骨折
   看似轻微，实则严重

• 简单骨折：35,000-95,000美元赔偿范围
• 需要手术修复（ORIF）：132,000-328,000美元赔偿范围
• 并发症：感染、愈合不良、关节炎、永久性残疾

1. 颈椎过度屈伸和软组织损伤
   保险公司喜欢低估这些伤害

• 为什么被低估：没有骨折，X光片难以显示
• 为什么严重：15-20%会发展为慢性疼痛
• 保险策略：“这只是扭伤，不是严重伤害”
• 我们如何反击：记录疼痛程度、治疗的一致性、对日常生活的影响

软组织损伤的赔偿范围：
15,000-60,000美元（如果发展为慢性疼痛，金额更高）

1. 心理伤害
   无形的影响

• PTSD：32-45%的事故受害者会出现PTSD症状
• 驾驶焦虑：害怕乘车，在事故地点附近恐慌发作
• 抑郁：40-60%的脊髓损伤患者
• 可赔偿的损害：精神痛苦、情绪困扰、生活乐趣丧失

48小时协议：休斯顿车祸后该做什么

第1-6小时：立即危机响应

✅ 安全第一：如果可以安全移动，请远离交通到安全位置。切勿停留在活动车道上的车辆内。

✅ 拨打911：报告事故并请求医疗援助。即使感觉良好，肾上腺素也可能掩盖严重伤害。

✅ 医疗救助：如果受伤，请立即前往急诊室。休斯顿有优秀的创伤中心：

• Memorial Hermann – Texas Medical Center（一级）
• Ben Taub医院（一级）
• Houston Methodist医院（二级）
• HCA Houston Healthcare Clear Lake（二级）

✅ 记录一切：

• 拍摄所有车辆损坏的照片（每个角度）
• 拍摄事故现场、路况、交通信号灯的照片
• 拍摄可见伤害的照片
• 截屏手机上显示的任何消息（不要删除任何内容）

✅ 交换信息：

• 对方司机的姓名、电话、地址
• 保险公司和保单号码
• 驾驶证号码
• 车牌号码
• 车辆品牌、型号、颜色

✅ 目击者：

• 获取任何目击者的姓名和电话号码
• 询问他们是否看到发生了什么
• 如有可能，记录他们的陈述

✅ 拨打Attorney911：1-888-ATTY-911，在与任何保险公司交谈前获得即时法律指导

第6-24小时：证据保存

✅ 数字保存：

• 保存所有与事故相关的短信、通话、照片、视频
• 不要删除手机上的任何内容
• 截屏所有相关内容
• 将副本通过电子邮件发送给自己备份

✅ 物理证据：

• 保存损坏的衣物、眼镜、个人物品
• 保留所有费用的收据（拖车、租车、药品）
• 暂时不要修理车辆——保留损坏状态

✅ 医疗记录：

• 索取所有急诊室/医院记录的副本
• 保留所有出院文件
• 在24-48小时内跟进初级保健医生

✅ 保险沟通：

• 记录保险公司的任何来电
• 暂时不要提供录音陈述
• 不要签署任何文件
• 不要接受任何和解提议
• 说：“我需要先与我的律师交谈”

✅ 社交媒体：

• 立即将所有个人资料设置为私密
• 不要发布关于事故的内容
• 不要发布关于伤害或活动的照片
• 告诉朋友/家人不要在帖子中标记您

第24-48小时：战略决策

✅ 法律咨询：

• 与经验丰富的休斯顿车祸律师交谈
• 拨打Attorney911：1-888-ATTY-911进行免费咨询
• 准备好您的文件

✅ 保险回应：

• 如果保险公司联系您，请将其转给您的律师
• 说：“我的律师会与您联系”
• 仅提供基本信息：姓名、事故日期、您是否参与

✅ 和解提议：

• 未经律师审查，不要接受或签署任何文件
• 早期提议总是低价提议
• 您尚未了解伤势的全部情况

✅ 证据备份：

• 将所有截图和照片上传到云存储
• 将副本通过电子邮件发送给自己和家人
• 在记忆清晰时创建事件的书面时间线

第一周的优先事项

✅ 医疗跟进：

• 继续记录所有伤害
• 如有推荐，请看专科医生
• 遵循所有医生建议（保险公司会关注治疗间断）
• 如有需要，获取书面工作限制

✅ 调查开始：

• 律师获取警方报告
• 向所有相关方发送保存信函
• 在删除前获取监控录像
• 记录目击者陈述

✅ 沟通：

• 律师处理所有保险沟通
• 您专注于康复
• 记录来自保险公司或其他方的任何压力

德克萨斯州车祸法律您需要知道的

1. 两年诉讼时效
   德克萨斯州民事诉讼与补救法典§16.003

• 您有事故发生之日起两年的时间提起诉讼
• 这个期限是绝对的——错过它，您的案件将被永久禁止
• 例外情况极为罕见（未成年人、精神无行为能力、被告离开州）
• 保险公司知道这个期限——他们会拖延您的索赔，希望您错过它

为什么这造成紧迫性：
您每等待一天，证据就会消失。监控录像通常在7-30天内被删除。目击者的记忆会迅速模糊。保险公司已经在构建针对您的案件，而您仍在康复中。

1. 51%比较过失规则
   德克萨斯州民事诉讼与补救法典§33.001

德克萨斯州使用修正比较过失系统，并设有51%的障碍：

• 如果您的过失不超过50%，您可以获得赔偿（按您的过失比例减少）
• 如果您的过失达到或超过51%，您将无法获得任何赔偿
• 保险公司总是试图将最大过失归咎于您

这个规则如何运作的例子：

您的过失比例	案件价值	您的赔偿
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

保险公司常用的归咎策略：

• “您超速了”（无证据）
• “您没有注意”（猜测）
• “您本可以避免这起事故”（事后诸葛亮）
• “您对这起事故负有责任”（推卸责任）

Attorney911如何反驳这些论点：
我们的事务所包括Lupe Peña，一位前保险公司辩护律师，他完全了解他们如何构建这些论点。我们：

• 进行彻底的事故重建
• 在记忆模糊前采访目击者
• 获取交通摄像头录像
• 反击不公平的过失归咎

1. 德克萨斯州最低汽车保险要求
   德克萨斯州交通法典§601.072

德克萨斯州要求最低保险覆盖为30/60/25：

• 每人30,000美元的身体伤害
• 每起事故60,000美元的身体伤害
• 每起事故25,000美元的财产损失

问题：

• 15.4%的德克萨斯州司机没有保险（约7人中有1人）
• 许多司机仅购买最低保险
• 30,000美元无法覆盖严重伤害
• 这就是为什么UM/UIM保险至关重要的原因

1. 无保险/保险不足驾驶员保险（UM/UIM）
   德克萨斯州保险法典§1952.101

• 当肇事司机没有保险或保险不足时支付
• 德克萨斯州允许跨保单叠加（合并多个保单）
• 标准UM/UIM免赔额：250美元
• 对肇事逃逸事故至关重要

如何运作：
如果肇事司机仅有30,000美元的保险，但您的伤害需要100,000美元的治疗，您的UM/UIM保险可以支付额外的70,000美元。

1. 酒类责任法
   德克萨斯州酒类饮料法典§2.02

酒吧、餐馆和其他机构如果：

1. 向明显醉酒的人提供酒精
2. 过度提供酒精是事故的直接原因

可以被追究责任。

明显醉酒的迹象：

• 言语不清
• 眼睛充血/呆滞
• 步态不稳/跌跌撞撞
• 协调能力受损
• 攻击性或异常行为
• 浓烈的酒精气味

可能承担责任的各方：

• 酒吧和夜总会
• 提供酒精的餐馆
• 酒类商店
• 活动场地（音乐会、节日）
• 社交主人（有限情况下）

为什么这很重要：
醉酒驾驶事故通常涉及多个责任方，增加您的潜在赔偿。2024年，德克萨斯州有1,053人死于酒精致残驾驶员。

保险公司如何欺骗您（以及我们如何阻止他们）

策略#1：快速现金陷阱
他们做什么：
在您发生事故后的几天内，保险公司会提供快速现金——通常是2,000-5,000美元，有时如果他们害怕，会提供高达15,000美元。他们会让这听起来很慷慨，但实际上这是一个陷阱。

为什么这是陷阱：

• 您还不知道伤势的全部情况
• 您可能稍后需要花费100,000美元以上的手术
• 一旦签署免责声明，您无法获得更多赔偿
• 他们的报价通常只有您案件实际价值的10-20%

真实案例：
我们的一位客户在事故发生三天后被提供了3,500美元。她当时很痛苦且绝望，所以考虑接受。我们建议她等待。六周后，MRI显示椎间盘突出需要手术。手术费用为100,000美元。因为她没有签署免责声明，我们能够为她争取到全额医疗费用和痛苦赔偿。

我们如何反击：
我们在**最大医疗改善（MMI）**之前绝不和解——即您的病情稳定且达到最佳可能恢复的时刻。对于严重伤害，这可能需要6个月、12个月甚至更长时间。我们知道他们的报价总是低价，因为Lupe曾为保险公司计算这些报价。

策略#2：录音陈述陷阱
他们做什么：
保险理赔员会在您仍在医院或服用止痛药时给您打电话。他们听起来友好且乐于助人：

• “我们只是想帮助您”
• “我们需要听听您的说法”
• “这是常规程序，每个人都这样做”
• “只需要几分钟”

他们真正在做什么：
他们在构建针对您的辩护。您说的每一句话都会被录音、转录，并用于减少您的索赔。

他们问的引导性问题：

他们问的问题	他们希望您说什么
“您现在感觉好些了，对吧？”	让您说您正在好转
“撞击并不严重，对吧？”	减轻碰撞严重性
“您能够自己离开现场吗？”	暗示伤害不严重
“您当时是否有分心？”	让您承认分心
“您当时开得多快？”	希望您高估或说“我不知道”

真相：

• 您无需向对方保险公司提供录音陈述
• 没有律师的陈述几乎总是损害您的案件
• 保险公司知道这一点——这就是为什么他们如此努力推动

Attorney911如何反击：
一旦您聘请我们：

• 我们成为您的代言人
• 所有电话都通过我们处理
• 您不与理赔员交谈
• 如果绝对必要，我们会为您做好准备
• 我们在任何陈述期间陪同您

Lupe知道这些问题，因为他多年来作为保险公司辩护律师问过这些问题。现在他利用这些知识来保护您。

策略#3：“独立”医学检查骗局
他们称之为：
“独立医学检查”（IME）

实际是什么：
由保险公司雇佣的医生，其工作是尽量减轻您的伤害。

他们如何选择IME医生：
保险公司根据以下标准选择医生：

• 谁给出对保险公司有利的报告（而非最合格的医生）
• 持续发现“无伤害”或“既往病史”的医生
• 由保险公司支付数千美元的医生（每次检查2,000-5,000美元）
• 重复业务 = 重复有利报告

IME检查中发生的事情：

• 10-15分钟的“检查”（而您的主治医生会进行全面评估）
• 很少事先审查您的完整医疗记录
• 问一些旨在引出“您感觉好些了”的问题
• 寻找任何理由来减轻您的伤害

常见的IME医生结论：

他们说什么	这意味着什么
“患者有既往退行性变化”	每个人超过40岁都有一些关节炎——用于拒绝索赔
“伤害与轻微创伤一致”	减轻您的痛苦和损失
“患者可以恢复全职工作”	消除误工费用索赔
“治疗过度”	攻击您的主治医生
“主观症状与客观发现不成比例”	医学术语，意思是称您为骗子

Attorney911如何反击：

• 我们在检查前为您做好充分准备
• 我们先将您的完整医疗记录发送给IME医生（强制审查）
• 我们用自己的医学专家挑战有偏见的IME报告
• Lupe了解这些具体医生及其偏见——他多年来一直雇佣他们

策略#4：拖延、拒绝、辩护
他们做什么：
他们拖延您的案件，希望您绝望并接受更少的赔偿：

• “仍在调查您的索赔”
• “等待医疗记录”（我们几个月前就发送了）
• “审查您的文件”
• “需要额外信息”
• 忽略电话和电子邮件
• 需要数周才能回复简单问题

为什么拖延有效：
保险公司拥有：

• 无限的时间
• 无限的资源
• 无财务压力
• 在拖延期间赚取您的赔偿金利息

您拥有：

• 不断增加的账单
• 零收入
• 债权人威胁
• 需要钱立即解决问题

经济绝望使您接受更少：

• 第1个月：您会拒绝5,000美元的报价
• 第6个月：您会认真考虑5,000美元
• 第12个月：您会乞求5,000美元以结束噩梦

Attorney911如何反击：

• 我们提起诉讼以设定最后期限
• 我们安排取证迫使他们提供证人
• 我们准备庭审表明我们是认真的
• Lupe了解拖延策略，因为他曾使用过——知道何时推进

策略#5：监控和社交媒体监视
他们做什么：
保险公司雇佣私家侦探来：

• 拍摄您进行日常活动的视频
• 在公共场所拍摄（您的车道、街道、商店）
• 跟踪您去约会、购物、社交活动
• 寻找任何与您的伤害索赔矛盾的活动
• 您弯腰的一个视频 = “并非真的受伤”

他们监控您的所有社交媒体：

• Facebook、Instagram、TikTok、LinkedIn、Twitter、YouTube、Snapchat
• 截屏所有内容：照片、帖子、签到、评论、点赞
• 监控您朋友的个人资料以查找提及您的帖子
• 使用面部识别查找您被标记的照片
• 存档您的整个社交媒体历史

我们已辩护的例子：

例子	发生了什么	保险公司声称	事实
旧健身房照片	3年前的健身房照片	当作最近的照片，与伤害矛盾	我们证明了元数据是事故前的
餐厅签到	Facebook在餐厅签到	“参加派对并玩得开心”	安静地坐着吃晚餐
朋友的评论	朋友发帖“昨天玩得很开心！”	伤害不严重的证据	客户在家休息
遛狗	客户缓慢遛狗的视频	“没有残疾”	医生推荐短暂散步
照片中微笑	家庭照片中微笑	“不痛苦——她在微笑！”	每个人拍照时都会微笑

保护自己的7条规则：

1. 立即将所有个人资料设置为私密
2. 不要发布关于事故、伤害、活动或情绪的内容
3. 不要在任何地方签到
4. 告诉朋友/家人：不要标记，不要发布关于您的内容
5. 不要接受陌生人的好友请求（假账户）
6. 最好：在案件期间完全远离社交媒体
7. 假设所有内容都在被监控

Lupe的内部观点：

“作为辩护律师，我审查了数百个监控视频和社交媒体帖子。以下是事实：保险公司断章取义地使用无辜的活动。他们冻结您‘正常’移动的一个画面，而忽略了您之前和之后挣扎的10分钟。他们不是记录您的生活——他们在构建针对您的弹药。”

策略#6：比较过失责任游戏
他们做什么：
他们试图将最大过失归咎于您，以减少赔偿：

• “您超速了”（无证据）
• “您没有注意”（猜测）
• “您本可以避免这起事故”（事后诸葛亮）
• “您分心了”（猜测）
• “您对这起事故负有责任”（推卸责任）

他们为什么这样做：
德克萨斯州的51%责任规则意味着：

• 如果您的过失达到或超过51% → 您将一无所获
• 如果您的过失不超过50% → 您的赔偿将按过失比例减少

即使小的过失比例也会造成数千美元的损失：

• 10%过失，100,000美元案件 = 您少得10,000美元
• 25%过失，250,000美元案件 = 您少得62,500美元
• 40%过失，500,000美元案件 = 您少得200,000美元

Attorney911如何反击：
我们进行积极的责任调查：

• 事故重建证明对方司机的过失
• 在记忆模糊前采访目击者
• 分析警方报告强调传票
• 专家证词关于感知-反应时间
• Lupe了解他们的过失论点，因为他多年来一直在提出这些论点——现在他击败它们

巨人系统：保险公司如何真正评估您的索赔

什么是巨人系统？
Allstate、State Farm、Liberty Mutual等公司使用的计算机化索赔评估系统，用于计算他们可以支付给您的最低金额。

它如何工作：

1. 数据输入：理赔员输入伤害代码、治疗类型、费用、管辖区
2. 编码：使用标准化医学术语对伤害进行编码
3. 计算：软件应用算法确定“价值”
4. 范围输出：系统提供建议的和解范围
5. 权限：理赔员通常无法在未经主管批准的情况下超出范围

保险公司如何操纵巨人系统：

操纵方式	影响
低伤害代码	用“软组织扭伤”代替“椎间盘突出”减少50-100%的价值
过度治疗标记	超出“正常”范围的治疗触发减少
保守治疗惩罚	按摩治疗的价值低于MD治疗
既往病史减少	任何既往病史都用于减少价值
管辖区因素	低判决金额的县获得更低的价值

Lupe的经验为何重要：

• 他知道如何正确编码伤害以获得最大价值
• 他知道哪些医学术语会触发更高的评估
• 他知道巨人系统的输出何时被人为压低
• 他知道如何呈现记录以击败算法
• 他多年来作为辩护律师使用这些系统

您可以获得的赔偿：了解您的损害

1. 经济损害（德克萨斯州无上限）
   这些是您可量化的财务损失：

损害类型	涵盖内容	示例
医疗费用（过去）	急诊、住院、手术、医生、物理治疗、药物、医疗设备	75,000美元的医院账单
医疗费用（未来）	持续治疗、未来手术、终身药物、长期护理	500,000美元用于未来脊柱手术
误工费（过去）	事故日至今的收入损失	6个月误工损失45,000美元
未来收入能力损失	未来收入能力的减少	无法返回原职业，损失1,500,000美元
财产损失	车辆修理或更换、个人财产	车辆全损25,000美元
自付费用	医疗预约交通、家庭改造、家务帮助	5,000美元用于轮椅坡道

1. 非经济损害（医疗事故除外无上限）
   这些是您的无形损失：

损害类型	涵盖内容	示例
痛苦和折磨	伤害引起的身体疼痛，包括过去和未来	300,000美元用于慢性背痛
精神痛苦	情绪困扰、焦虑、抑郁、恐惧、PTSD	200,000美元用于驾驶焦虑
身体损害	身体功能丧失、残疾、限制	500,000美元用于瘫痪
毁容	疤痕、永久性可见伤害影响外观	150,000美元用于面部疤痕
丧失陪伴	对婚姻/家庭关系的影响、失去陪伴	250,000美元用于配偶失去的关系
生活乐趣丧失	无法参与您以前喜欢的活动	300,000美元用于无法参与运动

1. 惩罚性损害赔偿（德克萨斯州有上限）
   适用于重大过失、欺诈或恶意行为。常见于醉酒驾驶案件。

德克萨斯州惩罚性损害赔偿上限：
以下两者中较大者：

• 200,000美元，或
• 2倍经济损害 + 1倍非经济损害（非经济部分上限为750,000美元）

按伤害类型的和解范围

伤害类型	和解范围	增加价值的因素
软组织（颈椎过度屈伸、扭伤）	15,000-60,000美元	永久性疼痛、慢性病
骨折（简单骨折）	35,000-95,000美元	需要手术、并发症
骨折（需要手术）	132,000-328,000美元	多次手术、永久性残疾
椎间盘突出（保守治疗）	70,000-171,000美元	保守治疗失败
椎间盘突出（需要手术）	346,000-1,205,000美元	永久性限制、收入能力损失
创伤性脑损伤（中度-重度）	1,548,000-9,838,000美元	永久性认知障碍、收入能力损失
脊髓损伤（截瘫）	4,770,000-25,880,000美元	终身护理需求、收入能力损失
截肢	1,945,000-8,630,000美元	假肢费用、收入能力损失
不当死亡（工作年龄成人）	1,910,000-9,520,000美元	高收入者、多个受抚养人

Attorney911记录的结果：

• 脑损伤导致视力丧失：数百万美元和解
• 车祸截肢：数百万美元和解
• 卡车不当死亡：为家庭争取到数百万美元赔偿
• 海事背部伤害：大额现金和解

为什么休斯顿的事故受害者选择Attorney911

1. 保险辩护内部优势
   

   “Lupe Peña曾在一家全国性辩护公司工作多年，亲身体验了大型保险公司如何评估索赔。”

这是Attorney911最大的竞争优势——而且无法伪造。

这对您的案件意味着什么：

• 我们知道他们的策略，因为Lupe多年来一直在使用这些策略
• 我们能够预见他们在部署之前的策略
• 我们知道他们内部如何评估索赔
• 我们知道他们青睐哪些IME医生
• 我们知道如何击败他们的算法
• 我们使用他们的语言

休斯顿没有其他律师事务所拥有这一优势。

1. 数百万美元的结果
   我们的结果不言自明：

“客户在伐木公司被掉落的原木砸伤，导致脑损伤并失明，我们为其争取到数百万美元的和解”

“在最近的一个案件中，我们的客户在车祸中腿部受伤。治疗期间的感染导致部分截肢。该案件最终以数百万美元和解”

“在Attorney911，我们的个人伤害律师已经帮助众多在卡车相关不当死亡案件中受伤的个人和家庭获得数百万美元的赔偿”

“在最近的一个案件中，我们的客户在船上搬运货物时背部受伤。我们的调查显示他本应得到帮助，我们最终达成了大额现金和解”

1. 联邦法院经验
   Ralph Manginello获准在美国德克萨斯南区联邦地区法院执业。这很重要，因为：

• 复杂案件通常会进入联邦法院
• FMCSA卡车法规是联邦法规
• 对于外州被告适用多样性管辖权
• 联邦法院需要不同于州法院的技能

BP爆炸诉讼：

“我们事务所是德克萨斯州少数几家参与BP爆炸诉讼的事务所之一”

这表明我们有能力与数十亿美元的公司抗衡并赢得胜利。

1. 您不会在其他地方得到的个人关注
   我们的客户怎么说：

“对他们来说，您不是讨厌的人，也不是普通的客户…您是他们的家人。” — Chad Harris

“我从未觉得自己只是他们正在处理的‘又一个案件’。” — Ambur Hamilton

“沟通一致，我每次打电话都能得到明确的答复。” — Dame Haskett

“Ralph亲自联系我。” — Dame Haskett

在Attorney911，您直接与Ralph Manginello或Lupe Peña合作——而不是案件经理流水线。

1. 胜诉才收费——对您无风险
   “我们不赢不收费。”

• 免费咨询
• 无前期费用
• 无小时计费
• 我们垫付所有案件费用
• 除非我们为您赢得赔偿，否则您无需支付任何费用

关于休斯顿车祸的常见问题

事故后的立即行动

1. 在休斯顿发生车祸后，我应该立即做什么？
   如果您在休斯顿发生车祸：

• 拨打911并报告事故
• 即使感觉良好，也要寻求医疗救助（肾上腺素会掩盖伤害）
• 记录一切：拍摄损坏、伤害、现场的照片
• 与对方司机交换信息
• 获取目击者的姓名和电话号码
• 不要向任何保险公司提供录音陈述
• 拨打Attorney911：1-888-ATTY-911

1. 即使是轻微事故，我也应该报警吗？
   是的。一定要报警。警方报告是关键证据。在德克萨斯州，如果事故造成人员受伤、死亡或财产损失超过1,000美元，必须报告。

2. 如果我感觉没有受伤，是否应该寻求医疗救助？
   绝对应该。许多严重伤害不会立即显现症状：

• 创伤性脑损伤可能需要几天才会显现
• 内出血可能不明显
• 椎间盘突出可能需要数周才会疼痛
• 肾上腺素会在现场掩盖疼痛

保险公司会利用延迟治疗来对付您。立即在休斯顿的创伤中心之一进行检查：

• Memorial Hermann – Texas Medical Center
• Ben Taub医院
• Houston Methodist医院

1. 在现场我应该收集哪些信息？

• 对方司机：姓名、电话、地址、驾驶证、保险信息
• 车辆：品牌、型号、颜色、车牌号
• 目击者：姓名和电话号码
• 照片：所有车辆损坏、伤害、路况、交通信号灯
• 警察：警官姓名、警徽号、报告编号

1. 我应该与对方司机交谈或承认过失吗？

• 仅交换信息
• 不要讨论过失
• 不要道歉或说“对不起”（可能被用作承认过失）
• 不要对发生的事情发表意见
• 仅陈述事实

1. 如何获取事故报告的副本？
   在休斯顿，您可以从以下途径获取警方报告：

• 响应机构（HPD、哈里斯县治安官等）
• 德克萨斯州交通部的事故记录信息系统（CRIS）

处理保险事宜

1. 我应该向保险公司提供录音陈述吗？
   对对方司机的保险公司：不。没有律师的情况下不要提供。
   对您自己的保险公司：您有合作的义务，但请先致电Attorney911。我们可以为您提供建议。

2. 如果对方司机的保险公司联系我怎么办？
   说：“我需要先与我的律师交谈。”仅提供基本信息（姓名、事故日期）。不要提供录音陈述。不要讨论伤害或过失。

3. 我必须接受保险公司的估价吗？
   不。他们的估价只是一个报价。通常远低于实际价值。Attorney911会争取您案件的真正价值。

4. 我应该接受快速和解报价吗？
   绝对不要在了解伤势的全部情况之前接受和解。一旦签署免责声明，即使您稍后需要手术，也无法获得更多赔偿。

5. 如果对方司机没有保险/保险不足怎么办？
   您自己的UM/UIM保险可以赔偿您。请观看我们的视频：“无保险和保险不足驾驶员”于https://www.youtube.com/watch?v=kWcNFyb-Yq8

6. 为什么保险公司希望我签署医疗授权书？
   他们希望无限制地访问您的全部医疗记录，以寻找既往病史来对付您。未经律师审查，绝对不要签署。

法律程序

1. 我是否有个人伤害案件？
   如果以下情况适用，您可能有案件：

• 其他人有过失（即使部分过失）
• 您遭受了伤害或损失
• 有保险可以赔偿

请观看我们的视频：“我是否有好的案件？”于https://www.youtube.com/watch?v=j-PMMP5Jims

1. 我应该什么时候聘请车祸律师？
   立即。证据每天都在消失。保险公司从第一天起就开始构建针对您的辩护。拨打Attorney911：1-888-ATTY-911

2. 我有多少时间提起诉讼（诉讼时效）？
   在德克萨斯州：人身伤害事故发生之日起两年，不当死亡死亡之日起两年。错过它=案件被永久禁止。

3. 什么是比较过失，它如何影响我？
   德克萨斯州使用51%障碍规则。如果您的过失不超过50%，您可以获得赔偿（按过失比例减少）。如果过失达到或超过51%，您将一无所获。

请观看我们的视频：“什么是比较过失？”于https://www.youtube.com/watch?v=agzHKY_v9l4

1. 如果我有部分过失怎么办？
   如果您的过失不超过50%，您仍然可以获得赔偿。您的赔偿金额将按您的过失比例减少。

2. 我的案件会进入庭审吗？
   大多数案件在庭审前和解。但Attorney911会将每个案件准备得如同要进入庭审。这赋予了我们谈判的筹码。

请观看我们的视频：“您的案件会进入庭审吗？”于https://www.youtube.com/watch?v=2Ed5AnmCMcc

1. 我的案件需要多长时间才能和解？
   取决于伤害的严重程度。我们不会在您达到最大医疗改善（MMI）之前和解。轻微伤害可能需要6个月，严重伤害可能需要18-24个月。

2. 法律程序的步骤是什么？

3. 调查和收集证据

4. 医疗治疗至MMI

5. 向保险公司发送索赔信

6. 谈判

7. 如有必要，提起诉讼

8. 发现阶段

9. 调解

10. 如有必要，庭审

请观看我们的视频：“个人伤害索赔的流程是什么？”于https://www.youtube.com/watch?v=XwzYymneDVs

赔偿

1. 我的案件价值多少？
   取决于：伤害的严重程度、医疗费用、误工费、永久性损害、痛苦和折磨、可用的保险。案件范围从15,000美元（软组织）到数百万美元（灾难性伤害）。

2. 我可以获得哪些类型的损害赔偿？

• 医疗费用（过去和未来）
• 误工费和收入能力损失
• 痛苦和折磨
• 精神痛苦
• 身体损害
• 毁容
• 丧失陪伴
• 生活乐趣丧失
• 财产损失

1. 我可以获得痛苦和折磨的赔偿吗？
   可以。在德克萨斯州，痛苦和折磨是人身伤害案件的重要组成部分。痛苦和折磨的赔偿没有上限（医疗事故除外）。

2. 如果我有既往病史怎么办？
   如果事故加重或恶化了您的既往病史，您仍然可以获得赔偿。这被称为“蛋壳原告”规则。

3. 我需要为我的和解金支付税款吗？
   一般来说，身体伤害的赔偿不需要纳税。惩罚性损害赔偿需要纳税。请咨询税务专业人士。

4. 如何确定我的索赔价值？
   基于：

• 医疗账单
• 未来治疗费用
• 收入损失
• 永久性损害评级
• 可比判决
• 伤害的严重程度
• 对日常生活的影响

律师关系

1. 车祸律师的费用是多少？
   Attorney911按胜诉收费：庭前33.33%，庭审40%。您无需前期支付任何费用。我们不赢不收费。

请观看我们的视频：“胜诉收费如何运作？”于https://www.youtube.com/watch?v=upcI_j6F7Nc

1. “不赢不收费”是什么意思？
   除非我们为您赢得赔偿，否则您无需支付任何费用。如果我们不赢，您不欠我们任何费用。我们垫付所有案件费用。

2. 我多久会收到更新？
   Attorney911提供定期更新。正如客户Dame Haskett所说：“沟通一致，我每次打电话都能得到明确的答复。”

3. 谁会实际处理我的案件？
   在Attorney911，您直接与Ralph Manginello或Lupe Peña合作，而不仅仅是律师助理。正如Chad Harris所说：“对他们来说，您不是普通的客户…您是他们的家人。”

4. 如果我已经聘请了另一位律师怎么办？
   您可以更换律师。正如客户Greg Garcia所说：“一开始我有另一位律师，但他放弃了我的案件，尽管Mangiello律师事务所能够帮助我。”

常见错误

1. 哪些常见错误会损害我的案件？

• 没有律师的情况下提供录音陈述
• 接受快速和解
• 延迟医疗治疗
• 治疗中断
• 在社交媒体上发帖
• 签署免责声明或授权书
• 没有记录一切

请观看我们的视频：“可能毁掉您案件的客户错误”于https://www.youtube.com/watch?v=r3IYsoxOSxY

1. 我应该在社交媒体上发布关于事故的内容吗？
   不。将所有个人资料设置为私密。不要发布关于事故、伤害或活动的内容。保险公司会监控一切。

2. 为什么我未经律师审查不应该签署任何文件？
   免责声明是永久性的。医疗授权书提供无限制访问。和解提议具有约束力。一旦签署，您无法撤销。

3. 如果我没有立即就医怎么办？
   现在就去看医生。解释您没有意识到伤害的严重性。延迟症状很常见。我们仍然可以帮助您。

其他常见问题

1. 如果我有既往病史怎么办？
   您仍然可以获得赔偿。如果事故加重了您的既往病史，您有权获得加重部分的赔偿。“蛋壳原告”规则意味着被告必须接受您的现状。

例如：您偶尔有轻微的背痛。事故导致椎间盘突出需要手术。您获得的是新伤害的赔偿，而不仅仅是既往疼痛。我们聘请医学专家来证明差异。

Lupe知道保险公司如何攻击既往病史——他多年来一直使用这种辩护策略。现在他利用这些知识来保护您。

1. 如果我对当前的律师不满意，可以更换律师吗？
   可以。您可以随时解雇您的律师。如果您的律师不与您沟通、不为您争取权益，或者强迫您接受低价和解，您有权更换律师。

Attorney911已经从其他律师那里接手了许多案件。正如Greg Garcia所说：“一开始我有另一位律师，但他放弃了我的案件，尽管Mangiello律师事务所能够帮助我。”

请拨打1-888-ATTY-911讨论更换律师。

1. 如果保险公司是我的保险公司（UM/UIM索赔）怎么办？
   当对方司机没有保险或保险不足时，您的无保险/保险不足驾驶员（UM/UIM）保险可以赔偿您。您的保险公司会像对方司机的保险公司一样与您的索赔作斗争。您需要律师代理。

德克萨斯州允许跨保单叠加（合并多个UM保单）。Lupe的保险知识对于最大化UM/UIM赔偿至关重要。

1. 如何计算痛苦和折磨？
   最常用的方法是乘数法：医疗费用 × 乘数（1.5到5）= 痛苦和折磨。

乘数取决于：

• 伤害的严重程度
• 永久性
• 对生活的影响
• 明确的责任

示例：100,000美元医疗费用 × 4乘数 = 400,000美元痛苦和折磨。

Lupe多年来一直在计算这些——他知道如何证明更高的乘数。

1. 如果我被政府车辆（市公交车、警车等）撞到怎么办？
   政府索赔有特殊规则。您必须在6个月内提交通知（比2年的诉讼时效短得多）。主权豁免保护政府实体。可能适用损害赔偿上限。

这些案件很复杂——您需要经验丰富的律师。Ralph拥有25年以上的经验，包括政府诉讼。请立即拨打1-888-ATTY-911——6个月的期限非常严格。

1. 如果对方司机逃逸（肇事逃逸）怎么办？
   立即提交警方报告（肇事逃逸是刑事犯罪）。您的无保险驾驶员（UM）保险适用。监控录像至关重要——大多数在7-30天内被删除。

我们会立即向事故现场附近的商家发送保存信函。德克萨斯州允许UM叠加。我们通过UM索赔在肇事逃逸案件中获得了可观的和解。

1. 如果我是无证移民——我还能提起索赔吗？
   可以。移民身份不会影响您获得伤害赔偿的权利。无论移民身份如何，您都有权获得全额赔偿。您的案件是保密的。我们已经成功为各种移民身份的客户提供了代理。

Lupe会说流利的西班牙语。请拨打1-888-ATTY-911——我们保护您的权利和隐私。

1. 如果事故发生在停车场怎么办？
   停车场事故是完全可以赔偿的。保险公司喜欢争辩“停车场事故总是50/50过失”（这是谎言）。

我们通过以下方式证明过失：

• 监控录像
• 目击者陈述
• 损坏分析
• 交通模式

德克萨斯州的比较过失规则适用。我们已经在许多停车场案件中赢得了明确的责任认定。

1. 如果我是肇事车辆中的乘客怎么办？
   即使您与司机同乘（朋友、家人、Uber司机），您也可以起诉司机。您是无辜的受害者。司机的保险覆盖乘客。没有比较过失问题（您没有驾驶）。由于责任明确，这些案件通常能迅速和解。

我们处理这个困难的对话，因此您不必面对。

1. 如果对方司机在事故中死亡怎么办？
   您仍然可以对已故司机的遗产和保险提起索赔。死亡并不消除责任。保险单仍然适用。遗产可能有资产。不当死亡法律保护双方。

这些案件在情感上复杂，但在法律上直接。我们以敏感的方式处理这些案件，同时保护您的权利。

休斯顿的危险道路：事故最常发生的地方

1. I-45海湾高速公路
   为什么危险：

• 被描述为“北美最致命的道路”
• 高速交通与本地通道混合
• 频繁的施工区
• 繁重的卡车交通
• 突然的变道和合流

高风险路段：

• 在610环路和8号环路之间
• 靠近船舶运河
• 从北面接近市中心

1. I-10凯蒂高速公路
   为什么危险：

• 世界上最宽的高速公路之一（某些路段有26条车道）
• 与I-610和US-59的复杂立交
• 繁重的通勤交通
• 来自休斯顿港的卡车交通
• 频繁的拥堵导致追尾碰撞

高风险路段：

• 在8号环路和610环路之间
• I-10/I-610立交
• 从西面接近市中心

1. US-59西南高速公路
   为什么危险：

• 主要通勤路线
• 繁重的卡车交通
• 与610环路的复杂立交
• 高速交通与本地通道混合
• 频繁的施工

高风险路段：

• 在8号环路和610环路之间
• US-59/I-610立交
• 从西南面接近市中心

1. 610环路
   为什么危险：

• 环绕市中心的内环
• 与I-10、I-45、US-59的复杂立交
• 高交通量
• 突然的变道
• 频繁的拥堵

高风险路段：

• 610/US-59立交
• 610/I-10立交
• 610/I-45立交

1. 8号环路（Sam Houston收费公路）
   为什么危险：

• 环绕休斯顿的外环
• 与支路的合流点
• 通勤、货运和本地交通的混合
• 突然的变道
• 频繁的施工

高风险路段：

• 与I-10、I-45、US-59的合流点
• 8号环路/I-10立交
• 8号环路/US-290立交

1. Westheimer路
   为什么危险：

• 主要的东西走廊
• 高商业交通量
• 频繁的左转
• 行人交通
• 拥堵

高风险路口：

• Westheimer & Gessner
• Westheimer & Chimney Rock
• Westheimer & Voss

1. Bissonnet街
   为什么危险：

• 主要的东西走廊
• 高商业交通量
• 频繁的左转
• 行人交通
• 拥堵

高风险路口：

• Bissonnet & Fondren
• Bissonnet & Wilcrest
• Bissonnet & Bellaire

1. FM 1960走廊
   为什么危险：

• 包含休斯顿一半的最危险路口
• 高商业交通量
• 频繁的左转
• 行人交通
• 拥堵

高风险路口：

• FM 1960 & SH 6
• FM 1960 & I-45
• FM 1960 & Kuykendahl

休斯顿最危险的路口

1. FM 1960 & SH 6
   为什么危险：

• 休斯顿最繁忙的路口之一
• 复杂的交通模式
• 频繁的左转
• 高商业交通量
• 有时能见度差

1. I-610 & N. Durham Drive
   统计数据：

• 仅2023年就发生了56起事故
• 复杂的合流区
• 高速交通
• 频繁的拥堵

1. Westheimer & Gessner
   为什么危险：

• 高交通量
• 复杂的交通模式
• 频繁的左转
• 行人交通
• 商业交通

1. Bissonnet & Fondren
   为什么危险：

• 高交通量
• 复杂的交通模式
• 频繁的左转
• 行人交通
• 商业交通

1. I-10 & Silber Road
   为什么危险：

• 复杂的立交
• 高速交通
• 频繁的拥堵
• 来自休斯顿港的卡车交通

如何在休斯顿的道路上保护自己

1. 防御性驾驶技巧

• 保持安全跟车距离（3秒规则）
• 在路口格外小心
• 注意突然变道
• 注意盲区，特别是卡车周围
• 避免分心（放下手机）

1. 如果看到激进驾驶行为该怎么办

• 不要与激进驾驶员争执
• 如有可能，避让
• 记下车牌和车辆描述
• 向HPD报告激进驾驶行为（非紧急电话）

1. 如何应对道路上的卡车

• 远离它们的盲区（“无区”）
• 快速安全地超车
• 不要在卡车前突然切入（它们需要更长的刹车距离）
• 耐心等待——卡车受FMCSA法规限制

1. 在施工区该怎么办

• 减速
• 遵守标志和信号
• 准备突然变道
• 注意施工工人
• 避免分心

1. 如何保护自己作为行人

• 始终使用人行横道
• 过马路前与司机进行眼神交流
• 夜间穿亮色衣服
• 避免分心（放下手机）
• 在停车场格外小心

为什么休斯顿需要Attorney911

1. 我们了解休斯顿的道路
   我们处理过的案件来自：

• 医疗中心到能源走廊
• 市中心到Galleria
• The Heights到Sugar Land
• Pasadena到The Woodlands

我们了解危险路口、高风险走廊和当地法院。

1. 我们了解休斯顿的法院

• 哈里斯县民事法院
• 哈里斯县地区法院
• 德克萨斯南区联邦法院
• 当地市政法院

我们了解法官、法院工作人员和当地程序。

1. 我们了解休斯顿的医院

• Memorial Hermann – Texas Medical Center（一级）
• Ben Taub医院（一级）
• Houston Methodist医院（二级）
• TIRR Memorial Hermann（康复）
• UTMB Galveston（一级）

我们了解医生、治疗方案，以及如何记录您的伤害以获得最大赔偿。

1. 我们了解休斯顿的保险理赔员
   我们与以下公司打过交道：

• 休斯顿的State Farm理赔员
• 该地区的Allstate理赔员
• Progressive理赔处理员
• GEICO代表
• Farmers Insurance理赔员

我们了解他们的策略、结算权限以及如何与他们谈判。

1. 我们是休斯顿社区的一部分

• Ralph Manginello在Memorial地区长大
• 我们参与当地慈善和组织
• 我们赞助社区活动
• 我们积极参与休斯顿律师协会
• 我们很自豪能为我们的邻居服务

真实的休斯顿客户，真实的结果

“当我觉得没有希望或方向时，Leonor联系了我。她承担了我所有的担忧。” — Stephanie Hernandez

“Leonor是最棒的！！！她能够在6个月内帮助我处理我的案件。” — Tymesha Galloway

“对他们来说，您不是讨厌的人，也不是普通的客户…您是他们的家人。” — Chad Harris

“我被追尾，团队立即开始工作。他们处理了从医生预约到与保险公司交涉的一切事务。我还得到了一笔非常可观的赔偿。” — MONGO SLADE

“Ralph Manginello确实是我遇到过的最好的律师。他以极大的专业知识指导我完成了整个过程。他坚韧不拔、平易近人且坚定不移。” — Jamin Marroquin

“他们让您感觉像家人，尽管过程可能需要一些时间，但他们让它变得轻松。他们为我争取到了我应得的每一分钱。” — Glenda Walker

“事故后我失去了一切——我的车被全损。多亏了Manginello律师和我的案件经理Leonor，一年后我得到了更多的回报，还有一辆全新的卡车。” — Kiimarii Yup

接下来该做什么

如果您在休斯顿的车祸中受伤：

1. 立即拨打Attorney911：1-888-ATTY-911（1-888-288-9911）
2. 预约免费咨询：我们将免费审查您的案件
3. 让我们处理一切：我们将与保险公司交涉，让您专注于康复
4. 获得您应得的赔偿：我们为您的伤害争取最大赔偿

为什么拨打Attorney911？

✅ 免费咨询 — 无义务，无费用
✅ 不赢不收费 — 您无需前期支付任何费用
✅ 保险辩护内部人士 — Lupe了解他们的内部策略
✅ 数百万美元的结果 — 我们的结果不言自明
✅ 联邦法院经验 — 我们处理复杂案件
✅ 个人关注 — 您直接与Ralph或Lupe合作
✅ 25年以上经验 — 自1998年以来，我们一直在帮助休斯顿的事故受害者
✅ 我们会说西班牙语 — Lupe Peña和我们的团队会说流利的西班牙语

不要等待 — 证据每天都在消失

您每多等一天：

• 监控录像被删除（7-30天）
• 目击者的记忆变得模糊
• 两年的诉讼时效越来越近
• 保险公司在构建针对您的案件

立即拨打Attorney911：1-888-ATTY-911

我们服务休斯顿的办公室

休斯顿办公室（主办公室）
The Manginello Law Firm, PLLC
Attorney911
3200 Travis St, Suite 220
Houston, TX 77006
1-888-ATTY-911 (1-888-288-9911)

服务区域：

• 哈里斯县（休斯顿、帕萨迪纳、贝敦、凯蒂、皮尔兰）
• 蒙哥马利县（The Woodlands、康罗）
• 福特本德县（糖城、密苏里城、里士满）
• 布拉佐里亚县（皮尔兰、安格尔顿）
• 加尔维斯顿县（加尔维斯顿、利格城、弗兰德伍德）

奥斯汀办公室
服务特拉维斯县及周边地区

博蒙特办公室
服务杰斐逊县及金三角地区

**我们服务整个德克萨斯州。**如果您在休斯顿地区之外，我们提供远程咨询，并将前往您所在地进行取证和法庭出庭。

最终思考

如果您在休斯顿的车祸中受伤，您正面临人生中最困难的时刻之一。身体的疼痛、情感的创伤和经济的压力可能让人感到不堪重负。但您不必独自面对这一切。

在Attorney911，我们已经帮助数百名像您这样的休斯顿事故受害者获得了数百万美元的赔偿。我们独特的组合：

• 25年以上的经验
• 联邦法院的准入资格
• 保险辩护内部人士的知识
• 数百万美元的结果
• 个人关注

使我们成为休斯顿车祸受害者的明智选择。

**立即拨打1-888-ATTY-911进行免费咨询。**我们不赢不收费。无风险，无义务，无前期费用。

您已经通过阅读本指南迈出了第一步。现在迈出下一步——拨打我们的电话，让我们为您争取应得的赔偿。

ENGLISH

Houston Car Accident Lawyer: The Complete Guide to Protecting Your Rights After a Crash

If You’ve Been Injured in a Houston Car Accident, You’re Not Alone – And You Don’t Have to Face This Alone

Every 57 seconds, another motor vehicle crash occurs somewhere in Texas. In Houston alone, over 119 pedestrians were killed on our streets last year, and thousands more suffered life-changing injuries in car accidents across Harris County. If you’re reading this after being hurt in a crash on I-10, I-45, the West Loop, or any of Houston’s dangerous intersections, you’re likely feeling overwhelmed, scared about mounting medical bills, and unsure what to do next.

At Attorney911, we understand exactly what you’re going through. With 25+ years of experience fighting for Houston accident victims, we’ve helped hundreds of clients just like you recover millions in compensation after devastating crashes. Our team includes a former insurance defense attorney who knows all their tactics from the inside – and how to beat them. When you call 1-888-ATTY-911, you’re not just calling a law firm – you’re reaching Houston’s legal emergency response team.

The Shocking Reality of Houston Car Accidents

Texas saw 251,977 people injured in motor vehicle crashes in 2024 alone – that’s one person injured every 2 minutes and 5 seconds. In Harris County, the numbers are even more alarming:

• 1 crash reported every 57 seconds statewide
• 119 pedestrians killed on Houston streets (a record high)
• I-45 Gulf Freeway remains one of the deadliest roads in North America
• The I-10/I-610 interchange sees frequent catastrophic collisions
• Westheimer Road and Bissonnet Street are high-risk corridors for serious accidents

These aren’t just statistics – they represent real Houston families whose lives were changed in an instant. The aftermath of a serious car accident can include:

• Mounting medical bills you can’t afford
• Lost wages from missed work
• Permanent disabilities that change your life forever
• Emotional trauma that affects your family
• Insurance companies trying to pay you as little as possible

Why Houston’s Roads Are So Dangerous

Several factors make Houston particularly hazardous for drivers, passengers, and pedestrians:

1. Our Dangerous Intersections

The FM 1960 and SH 6 corridor contains half of Houston’s most dangerous intersections. Other high-risk areas include:

• I-610 and N. Durham Drive (56 accidents in 2023 alone)
• The 610 Loop/US-59/I-69 interchange (complex merge zone)
• Beltway 8 merge points (traffic bottlenecks)
• Downtown intersections near Hermann Park

2. Aggressive Driving Culture

Houston’s fast-paced, impatient driving culture contributes to:

• Speeding (a factor in 30% of fatal crashes)
• Failure to yield right-of-way
• Running red lights
• Tailgating and unsafe lane changes
• Distracted driving (380 deaths statewide in 2024)

3. Unique Houston Challenges

• Flooding: Heavy rain creates sudden hydroplaning hazards
• Construction Zones: Nearly 28,000 crashes occurred in Texas work zones in 2024
• Truck Traffic: Houston’s port and industrial base means heavy commercial vehicle presence
• Diverse Population: Multilingual drivers may face language barriers in understanding traffic laws

4. The Insurance Company Playbook

Within hours of your accident, insurance adjusters will begin building their case against you. They’ll:

• Call you while you’re still in the hospital or on pain medication
• Record your statement to use against you later
• Offer quick cash before you know the full extent of your injuries
• Send you to their “independent” doctors who minimize your injuries
• Use surveillance to catch you in “gotcha” moments
• Delay your claim hoping you’ll accept less

This is where Attorney911’s unique advantage comes in. Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for national insurance companies. He knows exactly how they value claims, which doctors they favor for “independent” exams, and how to beat their algorithms. Having this insider knowledge on your side can mean the difference between a lowball offer and full compensation.

Common Types of Car Accidents in Houston

1. Rear-End Collisions

Houston’s Most Common Accident Type

• Often occur on congested highways like I-10 and US-59
• Common causes: distracted driving, tailgating, sudden stops
• Typical injuries: whiplash, herniated discs, concussions
• Insurance tactic: “It was just a fender bender” to minimize your claim

Attorney911 Case Result:

“I was rear-ended and the team got right to work. They handled everything from the doctor appointments to dealing with the insurance company. I also got a very nice settlement.” – MONGO SLADE

2. T-Bone/Intersection Accidents

Deadliest Collision Type

• Common at intersections like Westheimer & Gessner
• Often caused by running red lights or failure to yield
• High risk of catastrophic injuries due to side-impact forces
• Insurance tactic: “You had the last clear chance to avoid the collision”

3. Head-On Collisions

Most Severe Injuries

• Often occur on two-lane roads like FM 1960
• Common causes: wrong-way driving, distracted driving, DUI
• High fatality rate due to combined speeds
• Insurance tactic: “You crossed the center line” to shift blame

4. Sideswipe Accidents

Common on Houston’s Highways

• Frequent on I-10, I-45, and the 610 Loop
• Often caused by unsafe lane changes or distracted driving
• Can lead to loss of control and secondary collisions
• Insurance tactic: “You were in their blind spot”

5. Single-Vehicle Crashes

More Common Than You Think

• Often involve hitting fixed objects like guardrails or light poles
• Common causes: speeding, weather conditions, mechanical failure
• Insurance tactic: “You were negligent for losing control”

6. Hit-and-Run Accidents

Every 43 Seconds in the U.S.

• Particularly common in Houston’s residential neighborhoods
• Police report is critical for UM/UIM claims
• Surveillance footage often deleted within 7-30 days
• Insurance tactic: “We can’t pay if we can’t identify the at-fault driver”

What to Do After a Hit-and-Run:

1. Call 911 immediately
2. Get witness information
3. Look for surveillance cameras (businesses, Ring doorbells)
4. File a police report
5. Contact Attorney911 – we send preservation letters to secure evidence

Common Injuries from Houston Car Accidents

1. Traumatic Brain Injuries (TBI)

The Silent Epidemic

• Immediate Symptoms: Loss of consciousness, confusion, vomiting, seizures
• Delayed Symptoms: Worsening headaches, memory problems, personality changes
• Long-Term Effects: CTE (chronic traumatic encephalopathy), dementia risk, permanent cognitive impairment
• Houston Resources: Memorial Hermann’s Level I Trauma Center specializes in TBI treatment

Attorney911 Case Result:

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

2. Spinal Cord Injuries

Life-Changing Consequences

• Cervical (Neck): Quadriplegia, ventilator dependence
• Thoracic (Mid-Back): Paraplegia, wheelchair dependence
• Lumbar (Lower Back): Leg weakness, bowel/bladder dysfunction
• Secondary Complications: Pressure sores, respiratory infections, depression

Houston Treatment Centers:

• TIRR Memorial Hermann (nationally ranked rehabilitation)
• UTMB Galveston (Level I trauma center)

3. Herniated Discs

The Hidden Injury That Worsens Over Time

• Initial Treatment: Rest, physical therapy, pain management
• If Conservative Treatment Fails: Epidural injections
• If Injections Fail: Surgery (microdiscectomy or fusion)
• Permanent Impact: Can prevent return to physical labor jobs

Settlement Range for Herniated Discs:

• Conservative treatment: $70,000-$171,000
• Surgery required: $346,000-$1,205,000

4. Broken Bones

More Serious Than They Seem

• Simple Fracture: $35,000-$95,000 settlement range
• Surgical Repair (ORIF): $132,000-$328,000 settlement range
• Complications: Infections, malunion, arthritis, permanent disability

5. Whiplash and Soft Tissue Injuries

Insurance Companies Love to Undervalue These

• Why They’re Undervalued: No broken bones, difficult to see on X-rays
• Why They’re Serious: 15-20% develop chronic pain
• Insurance Tactic: “It’s just a strain, not a serious injury”
• How We Fight Back: Document pain levels, treatment consistency, impact on daily life

Settlement Range for Soft Tissue Injuries:
$15,000-$60,000 (higher if chronic pain develops)

6. Psychological Injuries

The Invisible Impact

• PTSD: 32-45% of accident victims develop PTSD symptoms
• Driving Anxiety: Fear of getting in cars, panic attacks near accident location
• Depression: 40-60% of spinal cord injury patients
• Compensable Damages: Mental anguish, emotional distress, loss of enjoyment of life

The 48-Hour Protocol: What to Do After a Houston Car Accident

Hour 1-6: Immediate Crisis Response

✅ Safety First: If you can move safely, get to a secure location away from traffic. Never stay in a vehicle in active traffic lanes.

✅ Call 911: Report the accident and request medical assistance. Even if you feel fine, adrenaline can mask serious injuries.

✅ Medical Attention: If injured, get to the ER immediately. Houston has excellent trauma centers:

• Memorial Hermann – Texas Medical Center (Level I)
• Ben Taub Hospital (Level I)
• Houston Methodist Hospital (Level II)
• HCA Houston Healthcare Clear Lake (Level II)

✅ Document Everything:

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

✅ Exchange Information:

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

✅ Witnesses:

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

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

Hour 6-24: Evidence Preservation

✅ Digital Preservation:

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

✅ Physical Evidence:

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

✅ Medical Records:

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

✅ Insurance Communications:

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

✅ Social Media:

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

Hour 24-48: Strategic Decisions

✅ Legal Consultation:

• Speak with an experienced Houston car accident attorney
• Call Attorney911: 1-888-ATTY-911 for a free consultation
• Have your documentation ready

✅ Insurance Response:

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

✅ Settlement Offers:

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

✅ Evidence Backup:

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

Week One Priorities

✅ Medical Follow-Up:

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

✅ Investigation Begins:

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

✅ Communication:

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

Texas Car Accident Laws You Need to Know

1. The 2-Year Statute of Limitations

Texas Civil Practice & Remedies Code § 16.003

• You have 2 years from the date of your accident to file a lawsuit
• This deadline is absolute – miss it and your case is barred forever
• Exceptions are extremely rare (minors, mental incapacity, defendant leaves state)
• Insurance companies know this deadline – they’ll delay your claim hoping you’ll miss it

Why This Creates Urgency:
Every day you wait, evidence disappears. Surveillance footage is typically deleted within 7-30 days. Witness memories fade quickly. The insurance company is already building their case against you while you’re still recovering.

2. The 51% Comparative Fault Rule

Texas Civil Practice & Remedies Code § 33.001

Texas uses a modified comparative negligence system with a 51% bar:

• If you are 50% or less at fault, you can recover damages (reduced by your percentage of fault)
• If you are 51% or more at fault, you recover NOTHING
• Insurance companies always try to assign you maximum fault

Examples of How This Works:

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

Common Insurance Tactics to Assign You Fault:

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

How Attorney911 Counters These Arguments:
Our firm includes Lupe Peña, a former insurance defense attorney who knows exactly how they build these arguments. We:

• Conduct thorough accident reconstruction
• Interview witnesses before memories fade
• Obtain traffic camera footage
• Fight back against unfair fault assignments

3. Texas Minimum Auto Insurance Requirements

Texas Transportation Code § 601.072

Texas requires minimum coverage of 30/60/25:

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

The Problem:

• 15.4% of Texas drivers are uninsured (about 1 in 7)
• Many drivers carry only minimum coverage
• $30,000 won’t cover serious injuries
• This is why UM/UIM coverage is critical

4. Uninsured/Underinsured Motorist Coverage (UM/UIM)

Texas Insurance Code § 1952.101

• Pays when the at-fault driver has no insurance or insufficient coverage
• Texas allows inter-policy stacking (combine multiple policies)
• Standard UM/UIM deductible: $250
• Critical for hit-and-run accidents

How It Works:
If the at-fault driver has only $30,000 in coverage but your injuries require $100,000 in treatment, your UM/UIM coverage can pay the additional $70,000.

5. Dram Shop Liability

Texas Alcoholic Beverage Code § 2.02

Bars, restaurants, and other establishments can be held liable if they:

1. Served alcohol to someone who was obviously intoxicated
2. The over-service was the proximate cause of the accident

Signs of Obvious Intoxication:

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

Potentially Liable Parties:

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

Why This Matters:
Drunk driving accidents often involve multiple liable parties, increasing your potential recovery. In 2024, 1,053 people were killed in Texas by alcohol-impaired drivers.

How Insurance Companies Try to Cheat You (And How We Stop Them)

Tactic #1: The Quick Cash Trap

What They Do:
Within days of your accident, the insurance company offers you quick money – typically $2,000-$5,000, sometimes up to $15,000 if they’re scared. They make it sound generous, but it’s a trap.

Why It’s a Trap:

• You don’t know the full extent of your injuries yet
• You might need surgery later that costs $100,000+
• Once you sign the release, you cannot get more money
• Their offer is usually 10-20% of what your case is really worth

Real Example:
One of our clients was offered $3,500 three days after her accident. She was in pain but desperate, so she considered taking it. We advised her to wait. Six weeks later, an MRI revealed a herniated disc requiring surgery. The surgery cost $100,000. Because she hadn’t signed the release, we were able to recover the full amount for her medical treatment and pain and suffering.

How We Fight Back:
We never settle before Maximum Medical Improvement (MMI) – the point where your condition has stabilized and you’ve reached your best possible recovery. This could take 6 months, 12 months, or even longer for serious injuries. We know their offers are always lowball because Lupe used to calculate these offers for insurance companies.

Tactic #2: The Recorded Statement Trap

What They Do:
The insurance adjuster calls you, often while you’re still in the hospital or on pain medication. They sound friendly and helpful:

• “We just want to help you”
• “We need to get your side of the story”
• “This is routine, everyone does this”
• “It’ll only take a few minutes”

What They’re Really Doing:
They’re building their defense against you. Every word you say will be recorded, transcribed, and used to minimize your claim.

Leading Questions They Ask:

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 Attorney911 Counters:
Once you hire us:

• 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

Lupe knows these questions because he asked them for years as an insurance defense attorney. Now he uses that knowledge to protect you.

Tactic #3: The “Independent” Medical Exam Scam

What They Call It:
“Independent Medical Examination” (IME)

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 Attorney911 Counters:

• We prepare you extensively before the exam
• We send your complete medical records to the IME doctor first (forcing 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, Deny, Defend

What They Do:
They drag your case out hoping you’ll get desperate and accept less:

• “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 $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 Attorney911 Counters:

• 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:
Insurance companies 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 contradicting 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 Gym 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 to Protect Yourself:

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

Lupe’s Insider Quote:

“I’ve reviewed hundreds of surveillance videos and social media posts as a 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: The Comparative Fault Blame Game

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’ 51% bar rule means:

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

Even Small Fault Percentages Cost Thousands:

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

How Attorney911 Counters:
We conduct aggressive liability investigations:

• 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

The Colossus System: How Insurance Companies Really Value Your Claim

What Is Colossus?
A computerized claim valuation system used by Allstate, State Farm, Liberty Mutual, and others to calculate the minimum they can pay you.

How It Works:

1. Data Entry: Adjuster inputs injury codes, treatment types, costs, jurisdiction
2. Coding: Injuries coded using standardized medical terms
3. Calculation: Software applies algorithms to determine “value”
4. Range Output: System provides recommended settlement range
5. Authority: Adjuster typically cannot exceed without supervisor approval

How Insurance Manipulates 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 records to beat the algorithm
• He worked with these systems for years as a defense attorney

What You Can Recover: Understanding Your Damages

1. Economic Damages (No Cap in Texas)

These are your quantifiable financial losses:

Damage Type	What It Covers	Example
Medical Expenses (Past)	ER, hospital, surgery, doctors, physical therapy, medications, medical equipment	$75,000 in hospital bills
Medical Expenses (Future)	Ongoing treatment, future surgeries, lifetime medications, long-term care	$500,000 for future spinal surgery
Lost Wages (Past)	Income lost from date of accident to present	$45,000 from 6 months off work
Lost Earning Capacity (Future)	Reduced ability to earn income in the future	$1,500,000 if you can’t return to your profession
Property Damage	Vehicle repair or replacement, personal property	$25,000 for totaled car
Out-of-Pocket Expenses	Transportation to medical appointments, home modifications, household help	$5,000 for wheelchair ramp

2. Non-Economic Damages (No Cap Except Medical Malpractice)

These are your intangible losses:

Damage Type	What It Covers	Example
Pain and Suffering	Physical pain from injuries, both past and future	$300,000 for chronic back pain
Mental Anguish	Emotional distress, anxiety, depression, fear, PTSD	$200,000 for driving anxiety
Physical Impairment	Loss of physical function, disability, limitations	$500,000 for paralysis
Disfigurement	Scarring, permanent visible injuries affecting appearance	$150,000 for facial scars
Loss of Consortium	Impact on marriage/family relationships, loss of companionship	$250,000 for spouse’s loss of relationship
Loss of Enjoyment of Life	Inability to participate in activities you previously enjoyed	$300,000 for inability to play sports

3. Punitive Damages (Capped in Texas)

Available for gross negligence, fraud, or malice. Common in drunk driving cases.

Texas Punitive Damage Cap:
The 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

Injury Type	Settlement Range	Factors That Increase Value
Soft Tissue (Whiplash, Sprains)	$15,000-$60,000	Permanent pain, chronic condition
Broken Bone (Simple Fracture)	$35,000-$95,000	Surgery required, complications
Broken Bone (Requiring Surgery)	$132,000-$328,000	Multiple surgeries, permanent disability
Herniated Disc (Conservative Treatment)	$70,000-$171,000	Failed conservative treatment
Herniated Disc (Surgery Required)	$346,000-$1,205,000	Permanent restrictions, lost earning capacity
Traumatic Brain Injury (Moderate-Severe)	$1,548,000-$9,838,000	Permanent cognitive impairment, lost earning capacity
Spinal Cord Injury (Paraplegia)	$4,770,000-$25,880,000	Lifetime care needs, lost earning capacity
Amputation	$1,945,000-$8,630,000	Prosthetic costs, lost earning capacity
Wrongful Death (Working Age Adult)	$1,910,000-$9,520,000	High earner, multiple dependents

Attorney911 Documented Results:

• Brain injury with vision loss: Multi-million dollar settlement
• Car accident amputation: Settled in the millions
• Trucking wrongful death: Recovered millions for families
• Maritime back injury: Significant cash settlement

Why Houston Accident Victims Choose Attorney911

1. The 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.”

This is Attorney911’s biggest competitive advantage – and it’s unfakeable.

What This Means for Your Case:

• We know their tactics because Lupe used them for years
• 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 Houston has this advantage.

2. Multi-Million Dollar Results

Our results speak for themselves:

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

“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”

“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”

3. Federal Court Experience

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

• Complex cases often end up in federal court
• FMCSA trucking regulations are federal
• Diversity jurisdiction applies 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”

This shows our capability to take on billion-dollar corporations and win.

4. Personal Attention You Won’t Get Elsewhere

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.” – Dame Haskett

“Ralph reached out personally.” – Dame Haskett

At Attorney911, you work directly with Ralph Manginello or Lupe Peña – 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

Frequently Asked Questions About Houston Car Accidents

Immediate After Accident

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

• 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 at one of Houston’s trauma centers:

• Memorial Hermann – Texas Medical Center
• Ben Taub Hospital
• Houston Methodist Hospital

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 Houston, you can obtain the police report from:

• The responding agency (HPD, Harris County Sheriff, etc.)
• 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?

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

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

Compensation

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

22. What types of damages can I recover?

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

23. Can I get compensation for pain and suffering?
Yes. Pain and suffering is a significant component of personal injury cases in Texas. There is NO CAP on pain and suffering (except medical malpractice).

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

25. Will I have to pay taxes on my settlement?
Generally, compensation for physical injuries is NOT taxable. Punitive damages ARE taxable. Consult a tax professional.

26. How is the value of my claim determined?
Based on:

• Medical bills
• Future treatment costs
• Lost income
• Permanent impairment rating
• Comparable verdicts
• Severity of injuries
• Impact on daily life

Attorney Relationship

27. How much do car accident lawyers cost?
Attorney911 works on 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 or 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. The “eggshell plaintiff” rule means the defendant takes you as they find you.

For 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. Now he uses that knowledge to protect you.

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.

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 – most is deleted within 7-30 days.

We send preservation letters immediately to businesses near the scene. 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” (this is a 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.

Houston’s Dangerous Roads: Where Accidents Happen Most

1. I-45 Gulf Freeway

Why It’s Dangerous:

• Described as the “deadliest road in North America”
• High-speed traffic mixed with local access
• Frequent construction zones
• Heavy truck traffic
• Sudden lane changes and merges

High-Risk Sections:

• Between Loop 610 and Beltway 8
• Near the Ship Channel
• Approaching downtown from the north

2. I-10 Katy Freeway

Why It’s Dangerous:

• One of the widest highways in the world (26 lanes in some sections)
• Complex interchange with I-610 and US-59
• Heavy commuter traffic
• Truck traffic from the Port of Houston
• Frequent congestion leading to rear-end collisions

High-Risk Sections:

• Between Beltway 8 and Loop 610
• The I-10/I-610 interchange
• Approaching downtown from the west

3. US-59 Southwest Freeway

Why It’s Dangerous:

• Major commuter route
• Heavy truck traffic
• Complex interchange with Loop 610
• High-speed traffic mixed with local access
• Frequent construction

High-Risk Sections:

• Between Beltway 8 and Loop 610
• The US-59/I-610 interchange
• Approaching downtown from the southwest

4. Loop 610

Why It’s Dangerous:

• Inner loop around downtown Houston
• Complex interchanges with I-10, I-45, US-59
• High traffic volume
• Sudden lane changes
• Frequent congestion

High-Risk Sections:

• The 610/US-59 interchange
• The 610/I-10 interchange
• The 610/I-45 interchange

5. Beltway 8 (Sam Houston Tollway)

Why It’s Dangerous:

• Outer loop around Houston
• Merge points with feeder roads
• Mix of commuter, freight, and local traffic
• Sudden lane changes
• Frequent construction

High-Risk Sections:

• Merge points with I-10, I-45, US-59
• The Beltway 8/I-10 interchange
• The Beltway 8/US-290 interchange

6. Westheimer Road

Why It’s Dangerous:

• Major east-west corridor
• High commercial traffic
• Frequent left turns
• Pedestrian traffic
• Congestion

High-Risk Intersections:

• Westheimer & Gessner
• Westheimer & Chimney Rock
• Westheimer & Voss

7. Bissonnet Street

Why It’s Dangerous:

• Major east-west corridor
• High commercial traffic
• Frequent left turns
• Pedestrian traffic
• Congestion

High-Risk Intersections:

• Bissonnet & Fondren
• Bissonnet & Wilcrest
• Bissonnet & Bellaire

8. FM 1960 Corridor

Why It’s Dangerous:

• Contains half of Houston’s most dangerous intersections
• High commercial traffic
• Frequent left turns
• Pedestrian traffic
• Congestion

High-Risk Intersections:

• FM 1960 & SH 6
• FM 1960 & I-45
• FM 1960 & Kuykendahl

Houston’s Most Dangerous Intersections

1. FM 1960 & SH 6

Why It’s Dangerous:

• One of the busiest intersections in Houston
• Complex traffic patterns
• Frequent left turns
• High commercial traffic
• Poor visibility at times

2. I-610 & N. Durham Drive

Statistics:

• 56 accidents in 2023 alone
• Complex merge zone
• High-speed traffic
• Frequent congestion

3. Westheimer & Gessner

Why It’s Dangerous:

• High traffic volume
• Complex traffic patterns
• Frequent left turns
• Pedestrian traffic
• Commercial traffic

4. Bissonnet & Fondren

Why It’s Dangerous:

• High traffic volume
• Complex traffic patterns
• Frequent left turns
• Pedestrian traffic
• Commercial traffic

5. I-10 & Silber Road

Why It’s Dangerous:

• Complex interchange
• High-speed traffic
• Frequent congestion
• Truck traffic from the Port of Houston

How to Protect Yourself on Houston’s Roads

1. Defensive Driving Techniques

• Maintain a safe following distance (3-second rule)
• Be extra cautious at intersections
• Watch for sudden lane changes
• Be aware of blind spots, especially around trucks
• Avoid distractions (put your phone away)

2. What to Do If You See Aggressive Driving

• Don’t engage with aggressive drivers
• Move out of their way if possible
• Note the license plate and vehicle description
• Report aggressive driving to HPD (non-emergency line)

3. How to Handle Trucks on the Road

• Stay out of their blind spots (“No-Zones”)
• Pass trucks quickly and safely
• Don’t cut in front of trucks (they need more stopping distance)
• Be patient – trucks are limited by FMCSA regulations

4. What to Do in Construction Zones

• Slow down
• Follow posted signs and signals
• Be prepared for sudden lane changes
• Watch for construction workers
• Avoid distractions

5. How to Protect Yourself as a Pedestrian

• Always use crosswalks
• Make eye contact with drivers before crossing
• Wear bright clothing at night
• Avoid distractions (put your phone away)
• Be extra cautious in parking lots

Why Houston Needs Attorney911

1. We Know Houston’s Roads

We’ve handled cases from:

• The Medical Center to the Energy Corridor
• Downtown to the Galleria
• The Heights to Sugar Land
• Pasadena to The Woodlands

We know the dangerous intersections, the high-risk corridors, and the local courts.

2. We Know Houston’s Courts

• Harris County Civil Courts
• Harris County District Courts
• Southern District of Texas (federal court)
• Local municipal courts

We know the judges, the court staff, and the local procedures.

3. We Know Houston’s Hospitals

• Memorial Hermann – Texas Medical Center (Level I)
• Ben Taub Hospital (Level I)
• Houston Methodist Hospital (Level II)
• TIRR Memorial Hermann (rehabilitation)
• UTMB Galveston (Level I)

We know the doctors, the treatment protocols, and how to document your injuries for maximum compensation.

4. We Know Houston’s Insurance Adjusters

We’ve dealt with:

• State Farm adjusters in Houston
• Allstate adjusters in the region
• Progressive claims handlers
• GEICO representatives
• Farmers Insurance adjusters

We know their tactics, their settlement authority, and how to negotiate with them.

5. We’re Part of the Houston Community

• Ralph Manginello grew up in the Memorial area
• We’re involved in local charities and organizations
• We sponsor community events
• We’re active in the Houston Bar Association
• We’re proud to serve our neighbors

Real Houston Clients, Real Results

“When I felt I had no hope or direction, Leonor reached out to me. She took all the weight of my worries off my shoulders.” – Stephanie Hernandez

“Leonor is the best!!! She was able to assist me with my case within 6 months.” – Tymesha Galloway

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

“I was rear-ended and the team got right to work. They handled everything from the doctor appointments to dealing with the insurance company. I also got a very nice settlement.” – MONGO SLADE

“Ralph Manginello is indeed the best attorney I ever had. He guided me through the whole process with great expertise. He’s tenacious, accessible, and determined.” – Jamin Marroquin

“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

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

What to Do Next

If You’ve Been Injured in a Houston Car Accident:

1. Call Attorney911 Now: 1-888-ATTY-911 (1-888-288-9911)
2. Schedule a Free Consultation: We’ll review your case at no cost
3. Let Us Handle Everything: We’ll deal with the insurance companies so you can focus on recovery
4. Get the Compensation You Deserve: We fight for maximum compensation for your injuries

Why Call Attorney911?

✅ Free Consultation – No obligation, no cost
✅ No Fee Unless We Win – You pay nothing upfront
✅ Insurance Defense Insider – Lupe knows their tactics from the inside
✅ Multi-Million Dollar Results – Our results speak for themselves
✅ Federal Court Experience – We handle complex cases
✅ Personal Attention – You work directly with Ralph or Lupe
✅ 25+ Years of Experience – We’ve been helping Houston accident victims since 1998
✅ Hablamos Español – Lupe Peña and our team speak Spanish fluently

Don’t Wait – Evidence Disappears Daily

Every day you wait:

• Surveillance footage is deleted (7-30 days)
• Witness memories fade
• The 2-year statute of limitations gets closer
• Insurance companies build their case against you

Call Attorney911 Now: 1-888-ATTY-911

Our Offices Serving Houston

Houston Office (Principal Office)

The Manginello Law Firm, PLLC
Attorney911
3200 Travis St, Suite 220
Houston, TX 77006
1-888-ATTY-911 (1-888-288-9911)

Serving:

• Harris County (Houston, Pasadena, Baytown, Katy, Pearland)
• Montgomery County (The Woodlands, Conroe)
• Fort Bend County (Sugar Land, Missouri City, Richmond)
• Brazoria County (Pearland, Angleton)
• Galveston County (Galveston, League City, Friendswood)

Austin Office

Serving Travis County and surrounding areas

Beaumont Office

Serving Jefferson County and the Golden Triangle

We serve all of Texas. If you’re outside the Houston area, we offer remote consultations and will travel to you for depositions and court appearances.

Final Thoughts

If you’ve been injured in a Houston car accident, you’re facing one of the most difficult times of your life. The physical pain, emotional trauma, and financial stress can feel overwhelming. But you don’t have to face this alone.

At Attorney911, we’ve helped hundreds of Houston accident victims just like you recover millions in compensation. Our unique combination of:

• 25+ years of experience
• Federal court admission
• Insurance defense insider knowledge
• Multi-million dollar results
• Personal attention

makes us the obvious choice for Houston car accident victims.

Call us now at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case. There’s no risk, no obligation, and no upfront cost.

You’ve already taken the first step by reading this guide. Now take the next step – call us and let us fight for the compensation you deserve.

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