Motor Vehicle Accidents in Borger, Texas: Your Guide to Legal Recovery

If you’ve been injured in a car accident in Borger, Texas, you’re not alone. With over 251,977 people injured in Texas motor vehicle crashes last year—one every 57 seconds—accidents are a constant threat on Hutchinson County roads. From the busy intersections along Main Street to the high-speed dangers of Highway 281 and Highway 136, Borger drivers face unique risks every day.

At Attorney911, we understand the physical, emotional, and financial toll a serious accident can take. Ralph Manginello, our founder with over 25 years of experience, has built a team that knows how to fight for maximum compensation. Our firm includes Lupe Peña, a former insurance defense attorney who now uses his insider knowledge to protect accident victims—not insurance companies.

This guide will help you understand your rights, the legal process, and why Borger accident victims trust Attorney911 to handle their cases.

Why Borger Accidents Require Specialized Legal Help

Borger presents unique challenges for accident victims:

Industrial traffic: With major employers like the Borger Refinery and Phillips 66, our roads see heavy commercial vehicle traffic that increases accident risks
Highway dangers: Highway 281 and Highway 136 see frequent crashes due to high speeds and truck traffic
Rural/urban mix: The transition between Borger’s urban center and surrounding rural areas creates dangerous driving conditions
Limited medical resources: While Borger has quality healthcare, serious injuries often require transport to Amarillo or Lubbock trauma centers

When accidents happen here, insurance companies immediately begin building their defense. That’s why you need an attorney who knows both Texas law and the specific challenges of Hutchinson County cases.

Common Types of Motor Vehicle Accidents in Borger

Car Accidents (Tier 1 – Most Common)

With 1 crash occurring every 57 seconds in Texas, car accidents are the most common type we handle. In Borger, we frequently see:

Rear-end collisions at stoplights on Main Street
Intersection accidents at busy crossings like 13th and Main
Highway collisions on Highway 281 and Highway 136
Distracted driving crashes, especially among younger drivers

Common injuries we see:

Whiplash and soft tissue injuries
Herniated discs requiring surgery
Traumatic brain injuries (TBI)
Broken bones and fractures
Internal organ damage
Psychological trauma and PTSD

“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.” – Attorney911 Case Result

Client testimonial:

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

If you’ve been injured in a Borger car accident, call 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)

With the Borger Refinery and other industrial facilities in the area, Hutchinson County sees more than its share of trucking accidents. Last year, Texas had 39,393 commercial motor vehicle crashes resulting in 608 fatalities and 1,601 serious injuries.

Why trucking accidents are different:

Size disparity: An 80,000-pound truck vs. a 4,000-pound car creates catastrophic damage
Multiple liable parties: Driver, trucking company, cargo loader, manufacturer
Federal regulations: FMCSA rules govern hours of service, maintenance, and driver qualifications
Higher insurance limits: Trucking companies carry $1M+ policies

Common causes in Borger:

Fatigued driving (violating FMCSA hours of service rules)
Improper maintenance (brakes, tires, lighting)
Overloaded or improperly secured cargo
Distracted driving (cell phone use, GPS, paperwork)
Speeding on Highway 281 and Highway 136

“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.” – Attorney911 Case Result

Federal court advantage:
Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas. Many trucking cases end up in federal court due to the interstate nature of the industry. Our experience in federal court gives us an advantage in these complex cases.

Nuclear verdicts create leverage:
Recent Texas trucking verdicts include:

$37.5 million (Oncor Electric – distracted truck driver)
$44.1 million (New Prime I-35 pileup – 6 deaths)
$35 million (Ben E. Keith – largest in Fort Worth history)

Insurance companies fear these verdicts. Our trial readiness gives us leverage in settlement negotiations.

Electronic evidence is critical:

ELD (Electronic Logging Device) data can be overwritten in 30-180 days
Black box data may be lost
Surveillance footage from nearby businesses is typically deleted within 7-30 days

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

Drunk Driving Accidents (Tier 1 – Preventable Tragedies)

Texas had 1,053 alcohol-impaired driving deaths last year—25.37% of all traffic fatalities. In Hutchinson County, we see far too many preventable drunk driving crashes.

Texas dram shop liability (TABC § 2.02):
Bars, restaurants, and even liquor stores can be held liable if they served someone who was obviously intoxicated. Signs of obvious intoxication include:

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

Punitive damages available:
Drunk driving cases often qualify for punitive damages, which punish the defendant for gross negligence and deter others from similar conduct.

Criminal + civil capability:
Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA). Our firm has successfully handled both criminal and civil aspects of drunk driving cases:

“Our client was charged with drunk driving based on a breath test. Our investigation revealed that a police department employee was not properly maintaining the breathalyzer machines. The charges were dismissed.” – Attorney911 Case Result

Multiple defendants increase recovery:
In drunk driving cases, we often pursue claims against:

The drunk driver
The bar or restaurant that over-served
The liquor store that sold alcohol to an obviously intoxicated person
The social host (in limited circumstances)

Call 1-888-ATTY-911 if you’ve been injured by a drunk driver. We’ll investigate every potential source of compensation.

Motorcycle Accidents (Tier 2 – High Risk)

Texas had 585 motorcyclist fatalities last year, with 37% of victims not wearing helmets. In Borger, we see motorcycle accidents on:

Highway 281 and Highway 136 (high-speed crashes)
Rural roads where visibility is poor
Urban areas where drivers fail to yield

Texas helmet law:

Required for all riders under 21
Riders 21+ may ride without helmet if they’ve completed a safety course OR have $10,000+ medical insurance

Common causes:

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

Insurance companies always try to blame the rider:
Texas’ 51% bar rule means if you’re found 51% or more at fault, you recover nothing. Insurance companies routinely argue that motorcyclists are partially at fault. Lupe Peña, our former insurance defense attorney, knows these arguments because he made them for years—now he defeats them.

Call 1-888-ATTY-911 after a motorcycle accident. Don’t let insurance blame you for the crash.

Pedestrian Accidents (Tier 2 – Most Vulnerable)

Texas had 6,095 pedestrian crashes last year, resulting in 768 fatalities. Pedestrians account for just 1% of crashes but 19% of all roadway deaths.

Borger pedestrian danger zones:

Downtown crosswalks on Main Street
School zones around Borger ISD campuses
Highway crossings where visibility is poor
Parking lots and gas stations

Critical legal point:
Pedestrians ALWAYS have the right-of-way at intersections—even unmarked crosswalks. Many drivers don’t know this. If you’re crossing between two streets, you’re in a crosswalk even if it’s not painted.

Common injuries:

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

Client testimonial:

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

If you’ve been hit by a car in Borger, call 1-888-ATTY-911 immediately. Evidence disappears quickly.

Commercial Vehicle Accidents (Tier 2 – Industrial Risks)

With Borger’s industrial base, we see many accidents involving:

Oil field service vehicles
Delivery trucks
Construction vehicles
Company cars

Why these cases are valuable:

Higher insurance limits ($1M+ policies common)
Corporate defendants with deep pockets
Multiple liable parties (driver, company, manufacturer)

Common causes:

Driver fatigue (long shifts in oil field work)
Improper maintenance
Overloaded vehicles
Distracted driving
Inadequate training

Federal regulations apply:
Many commercial vehicles are subject to FMCSA regulations, just like 18-wheelers. Violations can establish negligence per se.

Call 1-888-ATTY-911 if you’ve been injured by a commercial vehicle in Borger.

Work Zone Accidents (Tier 2 – Growing Danger)

Texas had nearly 28,000 crashes in work zones last year, with 215 deaths—a 12% increase over the previous year. In Borger, we see work zone accidents on:

Highway 281 and Highway 136 construction projects
Urban roadwork on Main Street and other thoroughfares
Oil field maintenance projects

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

Why work zone accidents happen:

Speeding through construction zones
Distracted driving (cell phones, GPS)
Failure to obey flaggers or signs
Improperly marked work zones

Call 1-888-ATTY-911 if you’ve been injured in a Borger work zone accident.

Hit and Run Accidents (Tier 2 – Frustrating and Common)

Someone is involved in a hit-and-run accident every 43 seconds in the U.S. In Borger, we see hit and runs in:

Parking lots (grocery stores, restaurants)
Residential areas
Highway shoulders where disabled vehicles are parked

Texas penalties for hit and run:

Severity	Charge	Penalty
Death	2nd Degree Felony	2-20 years prison, up to $10,000 fine
Serious Bodily Injury	3rd Degree Felony	2-10 years prison, up to $10,000 fine
Minor Injury	State Jail Felony	Up to 5 years, up to $5,000 fine
Property Damage ≥$200	Class B Misdemeanor	Up to 6 months jail, up to $2,000 fine

UM/UIM coverage is critical:
Your own Uninsured/Underinsured Motorist coverage can compensate you when the at-fault driver flees. Texas allows inter-policy stacking, which means you may be able to combine coverage from multiple vehicles.

Evidence disappears quickly:

Surveillance footage from nearby businesses is typically deleted within 7-30 days
Witnesses disperse and memories fade
Physical evidence at the scene is cleaned up

Call Attorney911 immediately at 1-888-ATTY-911 after a hit and run. We send preservation letters to secure critical evidence before it’s lost forever.

Wrongful Death (Tier 2 – Tragic Outcomes)

When a loved one dies in a motor vehicle accident, families can pursue both wrongful death and survival actions.

Wrongful death claim:

Brought by surviving family members (spouse, children, parents)
Recovers damages THEY suffered from the loss
Includes loss of companionship, mental anguish, lost financial support, funeral expenses

Survival action:

Brought on behalf of the deceased’s estate
Recovers damages THE DECEASED would have recovered if they survived
Includes pain and suffering before death, medical expenses before death, lost income before death

Both claims can be filed simultaneously.

“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.” – Attorney911 Case Result

Client testimonial:

“They fought for me to get every dime I deserved.” – Glenda Walker

If you’ve lost a loved one in a Borger accident, call 1-888-ATTY-911. We handle these cases with compassion and fight for maximum compensation.

What to Do Immediately After a Borger Accident

Hour 1-6: Immediate Crisis Response

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

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

✅ Medical attention: Even if you feel fine, get checked immediately. Adrenaline masks injuries.

✅ 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 motor vehicle 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 your memory is fresh

Week One: Begin the Legal Process

✅ 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

Why Evidence Disappears So Quickly

Time Frame	What Disappears	Why It Matters
Day 1-7	Witness memories peak, then fade	Details forgotten, witnesses become uncertain
Day 7-30	Surveillance footage deleted	Gas stations: 7-14 days, retail stores: 30 days, traffic cameras: 30 days
Month 1-2	Insurance companies solidify defense	They build their case against you while you’re recovering
Month 2-6	Trucking electronic data deleted	ELD data: 30-180 days, black box data: can be overwritten
Month 6-12	Witnesses become unreachable	Graduate, move away, memory severely degraded
Month 12-24	Approaching statute of limitations	Creates pressure to settle, evidence severely degraded

Every day you wait, evidence disappears. Call Attorney911 at 1-888-ATTY-911 immediately to preserve your case.

Texas Motor Vehicle Law You Need to Know

Statute of Limitations

Texas has a strict 2-year statute of limitations for personal injury and wrongful death claims (Texas Civil Practice & Remedies Code § 16.003). This means:

Personal injury: 2 years from the date of the accident
Wrongful death: 2 years from the date of death
Property damage: 2 years from the date of damage

Exceptions are rare. Miss this 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

Example:

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

Insurance companies always try to assign you maximum fault. Lupe Peña, our former insurance defense attorney, knows their arguments because he made them for years—now he defeats them.

Texas Minimum Auto Insurance Requirements

Texas requires minimum coverage of:

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

Problem: 15.4% of Texas drivers are uninsured. Your Uninsured/Underinsured Motorist (UM/UIM) coverage is critical.

UM/UIM Coverage Rules

Pays when the at-fault driver has no insurance or insufficient insurance
Texas allows inter-policy stacking (combining coverage from multiple vehicles)
Standard deductible: $250
Your own insurance company will fight your claim just like the other driver’s insurance

Example: If you have $100,000 UM/UIM coverage and the at-fault driver has $30,000 liability coverage, your UM/UIM can pay up to $70,000 additional.

Call Attorney911 to maximize your UM/UIM recovery. Watch our video on UM/UIM claims: https://www.youtube.com/watch?v=kWcNFyb-Yq8

How Insurance Companies Try to Cheat You

Lupe Peña spent years working for insurance companies. He knows their playbook because he wrote it. Here’s how they try to minimize your claim:

Tactic #1: Quick Contact & Recorded Statement Trap

What they do:

Call you within hours of the accident—often while you’re still in the hospital
Act friendly and helpful: “We just want to help you”
Ask for a “routine” recorded statement

What they’re really doing:

Building their defense against you with leading questions:
- “You’re feeling better now though, right?”
- “It wasn’t that bad of an impact, was it?”
- “You were able to walk away from the scene?”
- “Were you distracted at all?”
- “How fast were you going?”

The truth:

You are NOT required to give a recorded statement to the other driver’s insurance
Everything you say will be used against you
Insurance adjusters are trained to sound helpful while gathering evidence to deny your claim

How Attorney911 counters:

We become your voice
All calls go through us
You don’t talk to adjusters
We prepare you properly if a statement becomes necessary
We know their questions because Lupe asked them for years

DO NOT give a recorded statement without Attorney911. Call 1-888-ATTY-911 first.

Tactic #2: Quick Settlement Offer Trap

What they do:

Offer money within days or weeks of the accident
Typical offers: $2,000-$5,000 (sometimes $10,000-$15,000 if they’re scared)
Create artificial urgency: “This offer expires in 48 hours”

The trap:
You don’t know the extent of your injuries yet. What happens if:

Day 3: Insurance offers $3,500 “final settlement”
Week 6: MRI shows herniated disc requiring $100,000 surgery
TOO LATE – You signed a release, can’t reopen the claim
You pay $100,000 out of pocket

How Attorney911 counters:

We NEVER settle before Maximum Medical Improvement (MMI)
MMI = as good as you’ll get medically
Could be 6 months, 12 months, 24+ months depending on injuries
Lupe knows these offers are ALWAYS lowball—he calculated them for years

NEVER accept a quick settlement. Call 1-888-ATTY-911 for a free case evaluation.

Tactic #3: “Independent” Medical Exam (IME) Scheme

What they call it: “Independent Medical Examination”

What it really is: An insurance company hired doctor to minimize your injuries

How they choose IME 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 $2,000-$5,000 per exam by insurance companies
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 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 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

Don’t let an IME doctor minimize your injuries. Call 1-888-ATTY-911 before your exam.

Tactic #4: Delay and Financial Pressure

What they do:

“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 and resources
They earn interest on YOUR settlement money while delaying
You have mounting bills, zero income, and creditors threatening
Financial desperation makes you accept less

Example:

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 lawsuits to force deadlines
We set depositions to make them produce witnesses
We prepare for trial to show we’re serious
Lupe understands delay tactics because he used them—he knows when to push

Don’t let insurance delay you into accepting less. Call 1-888-ATTY-911 to force action.

Tactic #5: Surveillance and Social Media Monitoring

What they do:

Hire private investigators to video you
Film you doing daily activities from public places
Look for ANY activity contradicting injury claims
One video of you bending over = “Not really injured”

What they monitor on 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

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.”

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, 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

Protect your case. Call 1-888-ATTY-911 for guidance on social media during your claim.

Tactic #6: Comparative Fault Arguments

What they do:
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 are 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:

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

Don’t let insurance blame you. Call 1-888-ATTY-911 to fight comparative fault arguments.

How Insurance Companies Actually Value Your Claim

Colossus Software System

Lupe Peña knows how insurance companies value claims because he used these systems for years. Here’s how it works:

Data Entry: Adjuster inputs injury codes, treatment, costs, jurisdiction
Coding: Injuries coded using standardized medical terms
Calculation: Software applies algorithms to determine “value”
Range Output: System provides recommended settlement range
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
Pre-Existing Reduction	Any prior condition used to reduce value
Jurisdiction Factor	Low-verdict counties get lower values

Why Lupe’s experience matters:

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

Reserve Setting Psychology

What reserves are:

Money 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 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.

What You Can Recover in a Borger Accident Case

Economic Damages (No Cap in Texas)

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

Non-Economic Damages (No Cap Except Medical Malpractice)

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

Punitive/Exemplary Damages (Capped)

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

Settlement Ranges by Injury Type

Soft Tissue Injuries (Whiplash, Sprains, Strains)

Medical Treatment:

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

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

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

Broken Bone (Single, Simple Fracture)

Medical Treatment:

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

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

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

Broken Bone (Requiring Surgery – ORIF)

Medical Treatment:

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

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

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

Herniated Disc (Conservative Treatment)

Medical Treatment:

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

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

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

Herniated Disc (Surgery Required)

Medical Treatment:

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

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

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

Traumatic Brain Injury (TBI)

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: Why Insurance Companies Fear Attorney911

Texas leads the nation in nuclear verdicts (jury awards exceeding $10 million). Recent Texas motor vehicle nuclear verdicts include:

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

Why this matters to your case:
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 Borger Accident Victims Choose Attorney911

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 Borger 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 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

“Ralph reached out personally.” – Dame Haskett

“Consistent communication and not one time did i call and not get a clear answer.” – Dame Haskett

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

5. Contingency Fee – No Risk

“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

6. Bilingual Services

Lupe Peña is fluent in Spanish, and our staff includes bilingual team members. We ensure language is never a barrier to justice.

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

Hablamos Español. Llame al 1-888-ATTY-911 hoy mismo.

7. Proven Track Record

With over 251 five-star reviews, Borger accident victims trust Attorney911:

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

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

“This place feels like having a family over your case. And communication with you every step of the way. That’s how you know you’re in good hands.” – Kiwi Potato

Frequently Asked Questions About Borger Accident Cases

Immediate After Accident

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

If you’ve been in an accident in Borger:

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

Dealing with Insurance

7. Should I give a recorded statement to insurance?

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

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

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

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

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

10. Should I accept a quick settlement offer?

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

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

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

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

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

Legal Process

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

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

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

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

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

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

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

17. What happens if I was partially at fault?

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

18. Will my case go to trial?

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

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

19. How long will my case take to settle?

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

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

Investigation and evidence gathering
Medical treatment to MMI
Demand letter to insurance
Negotiation
Lawsuit if necessary
Discovery
Mediation
Trial if needed

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

Compensation

21. What is my case worth?

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

22. What types of damages can I recover?

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

23. Can I get compensation for pain and suffering?

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

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

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

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

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

26. How is the value of my claim determined?

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

Attorney Relationship

27. How much do car accident lawyers cost?

Attorney911 works on contingency: 33.33% before trial, 40% if trial. You pay nothing upfront. We don’t get paid unless we win.

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

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

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

29. How often will I get updates?

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

30. Who will actually handle my case?

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

31. What if I already hired another attorney?

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

Mistakes to Avoid

32. What common mistakes can hurt my case?

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

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

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

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

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

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

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

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

Additional Questions

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

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

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

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

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

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

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 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—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.

Borger-Specific Information

Borger Courts and Legal Resources

If your case goes to court in Hutchinson County, it will likely be heard in:

Hutchinson County Courthouse
- Address: 500 Main St, Stinnett, TX 79083
- Phone: (806) 878-4002
- District Courts: 84th Judicial District Court
- County Court at Law

For federal cases, Borger is served by the Northern District of Texas, Amarillo Division.

Borger Hospitals and Medical Care

For serious injuries, you may be treated at:

Golden Plains Community Hospital (Borger)
- Address: 100 Medical Dr, Borger, TX 79007
- Phone: (806) 273-2581
- Level IV Trauma Center

For more serious injuries, patients are often transported to:

Northwest Texas Healthcare System (Amarillo)
- Level III Trauma Center
- Address: 1501 S Coulter St, Amarillo, TX 79106
BSA Health System (Amarillo)
- Level III Trauma Center
- Address: 1600 Wallace Blvd, Amarillo, TX 79106
Texas Tech University Health Sciences Center (Lubbock)
- Level I Trauma Center
- Address: 602 Indiana Ave, Lubbock, TX 79415

Borger Dangerous Roads and Intersections

Some of the most dangerous areas for accidents in Borger include:

Highway 281 (high-speed crashes, truck traffic)
Highway 136 (industrial traffic, rural/urban transition)
Main Street (busy urban traffic, frequent rear-end collisions)
Intersection of 13th and Main (high-volume crossing)
Intersection of 15th and Main (school zone, pedestrian traffic)
Intersection of 20th and Main (commercial area, frequent collisions)
Intersection of Austin and Main (heavy truck traffic from industrial areas)
Borger Refinery entrance/exit points (heavy industrial traffic)
Phillips 66 facility access roads (large vehicle traffic)

Borger Accident Patterns

Unique accident patterns we see in Borger:

Oil field vehicle accidents: Due to the presence of the Borger Refinery and other industrial facilities, we see many accidents involving oil field service vehicles, tanker trucks, and heavy equipment.
Highway 281 and Highway 136 crashes: These high-speed highways see frequent accidents due to speeding, distracted driving, and truck traffic.
Rural-urban transition accidents: The transition between Borger’s urban center and surrounding rural areas creates dangerous driving conditions, especially for unfamiliar drivers.
Industrial zone accidents: The area around the refinery and other industrial facilities sees accidents involving large vehicles, distracted driving, and fatigue from long shifts.
School zone accidents: Borger ISD campuses see frequent pedestrian and vehicle accidents during school hours.
Weather-related accidents: Borger’s location makes it susceptible to sudden weather changes, including ice storms, high winds, and dust storms that can create hazardous driving conditions.

What to Do Right Now

If you’ve been injured in a Borger accident:

Call Attorney911 now at 1-888-ATTY-911 for a free consultation
Don’t give a recorded statement to any insurance company
Don’t accept a quick settlement – it’s always a lowball offer
Don’t post on social media – insurance monitors everything
Focus on your recovery – we’ll handle the legal fight

Remember:

Evidence disappears daily
The statute of limitations is real
Insurance companies are already building their case against you
You don’t have to face this alone

Attorney911 is your legal emergency line. Call 1-888-ATTY-911 now.

About Attorney911

Attorney911, a trade name of The Manginello Law Firm, PLLC, is a Texas personal injury law firm with offices in Houston, Austin, and Beaumont. We serve accident victims throughout Texas, including Borger and Hutchinson County.

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

Borger Services:
We offer free consultations in Borger and travel to Hutchinson County for accident cases. Our team includes Spanish-speaking attorneys and staff to serve Borger’s diverse community.

Why “Attorney911”?
We treat legal emergencies like medical emergencies. When you call 1-888-ATTY-911, you reach us—not a call center. We’re available 24/7 to respond to your legal crisis.

Our Promise:

We don’t get paid unless we win
Free consultation – no obligation
Personal attention from experienced attorneys
Aggressive representation against insurance companies
Maximum compensation for your injuries

Disclaimer:
Every case is unique, and past results do not guarantee future outcomes. This content is for informational purposes only and does not constitute legal advice. Contact Attorney911 for a free consultation regarding your specific situation. The Manginello Law Firm, PLLC is responsible for the content of this website. Principal office: Houston, Texas.