Car Accident Lawyer in Kerrville, Texas: Your Legal Emergency Response Team

If you’ve been injured in a car accident in Kerrville, you’re facing more than just physical pain—you’re dealing with insurance adjusters who sound helpful but aren’t, mounting medical bills, and the uncertainty of what comes next. We understand. Here in the Texas Hill Country, where State Highway 16 winds through our community and I-10 connects us to the wider state, accidents happen when we least expect them. In 2024, Texas saw 4,150 people killed on our roads, with someone dying every 2 hours and 7 minutes. In Kerr County and across the Hill Country, the reality is that rural roads like FM 1338 and Ranch to Market roads create unique dangers that insurance companies exploit.

You don’t have to face this alone. At Attorney911, we’ve spent 27+ years fighting for injured Texans, and we know the insurance playbook because our firm includes a former insurance defense attorney who used to calculate claims from the inside. When you call 1-888-ATTY-911, you’re not just getting a lawyer—you’re getting a legal emergency response team that treats your case like the crisis it is.

The Insurance Companies Are Already Building Their Case Against You

Within 24 hours of your accident, the other driver’s insurance company began investigating. They may have already requested your recorded statement while you were still in the emergency room at Peterson Regional Medical Center or Christus Santa Rosa. They might have offered you $2,000-$5,000 to settle quickly, hoping you’ll sign away your rights before you understand the full extent of your injuries.

Here’s what they don’t want you to know: that quick settlement offer is typically 10-20% of what your case is actually worth. Lupe Peña, one of our attorneys, spent years at a national defense firm learning firsthand how insurance companies value claims. He knows their tactics because he used them. Now he uses that insider knowledge to protect people like you.

The Friendly Adjuster Trap: They call sounding concerned, asking “How are you feeling?” and “It wasn’t that serious, right?” Every word is recorded and will be used to minimize your claim. We’ve seen adjusters take innocent questions and twist them into admissions that injuries are minor.

The Independent Medical Exam (IME): After a few months, they’ll send you to “their” doctor—a physician who gets paid $2,000-$5,000 for a 15-minute exam and consistently finds that treatment was excessive or injuries were pre-existing. Lupe knows these specific doctors because he hired them for years as a defense attorney.

The Surveillance Game: Private investigators may be watching you around Kerrville right now, waiting to capture one moment where you bend over to pick up groceries at H-E-B or play with your kids at Louise Hays Park. Lupe’s insider perspective reveals the truth: “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.”

We Know Their Playbook Because Lupe Wrote It

Our firm’s biggest competitive advantage is simple: we have a former insurance defense attorney fighting FOR you, not against you.

Lupe Peña is a third-generation Texan with roots to the King Ranch. Before joining Attorney911, he worked for years at a national defense firm, learning exactly how large insurance companies:

• Calculate claim values using software like Colossus
• Select IME doctors who minimize injuries
• Use surveillance to discredit victims
• Exploit treatment gaps
• Apply comparative fault arguments to reduce payouts

Now he deploys that classified intelligence to protect you. When State Farm or Allstate tries their typical delay tactics, Lupe knows the internal settlement authority structures and deadlines that force them to act. When they present a lowball offer, he knows whether a Stowers demand will push them to settle at policy limits.

Having a former defense attorney is an unfair advantage for our clients. You wouldn’t go to war without intelligence about the enemy’s strategies. Why fight an insurance company without someone who knows their playbook from the inside?

The Reality of Car Accidents in Kerrville and Kerr County

While Kerrville’s population of around 24,000 might make you think we’re immune to serious accidents, the data tells a different story. Texas Farm-to-Market roads—like the ones connecting Kerrville to Fredericksburg and Junction—have the highest crash rate of any road type in Texas at 121.15 crashes per 100 million vehicle miles traveled in rural areas.

The Silent Killers on Our Roads:

Texas crash statistics reveal patterns that directly affect Hill Country drivers:

• Failed to Control Speed: 131,978 crashes statewide, 513 fatal. This is the #1 cause of accidents on winding Hill Country roads where speed limits can be deceptive.
• Driver Inattention: 81,101 crashes, 267 fatal. With scenic views distracting drivers and wildlife crossing suddenly, our roads demand constant attention.
• Failed to Drive in Single Lane: 42,588 crashes, but 800 fatalities—the deadliest single factor in Texas. On two-lane ranch roads, this often means head-on collisions.
• Drunk Driving: 1,053 deaths statewide, with peaks at 2:00-2:59 AM Sunday. Kerr County’s DUI crash statistics may not rival Harris County’s volume, but any alcohol-related crash can trigger Dram Shop liability against establishments that over-served the driver.

Rural vs. Urban Reality: Rural crashes are 2.66 times more likely to be fatal than urban crashes. In Kerr County, where EMS response times can be 15-30 minutes versus 5-8 minutes in San Antonio, those precious minutes make survival more difficult.

Complete Coverage for Every Type of Motor Vehicle Accident

Rear-End Collisions: Near-Automatic Liability

Rear-end collisions are among the most common accidents we see on Kerrville’s stop-and-go traffic corridors like Sidney Baker Street and Junction Highway. Under Texas Transportation Code § 545.062, the trailing driver is presumed at fault for following too closely.

What starts as “minor” can become catastrophic: We represented a client whose leg was injured in what seemed like a simple rear-end collision. Staff infections during treatment led to a partial amputation. This case settled in the millions.

Insurance companies routinely undervalue these cases initially, offering $5K-$15K for soft tissue injuries. But once surgery is involved—whether herniated discs requiring fusion or traumatic brain injuries—the settlement value jumps to $175K-$500K+.

Our clients consistently praise our fast action. MONGO SLADE told us: “I was rear-ended and the team got right to work…I also got a very nice settlement.” Chavodrian Miles said: “Leonor got me into the doctor the same day…it only took 6 months amazing.”

If you’ve been rear-ended in Kerrville, don’t let the insurance company tell you it’s “just whiplash.” Call 1-888-ATTY-911 immediately.

T-Bone/Intersection Crashes: Deadly Crossroads

Kerrville’s intersections—like the crossing of Highway 16 and Loop 534, or the intersection near Walmart on Junction Highway—are where lives change in an instant. T-bone collisions account for 1,050 deaths in Texas annually, representing 27% of all traffic fatalities.

These crashes are often least defensible when one driver runs a red light or stop sign. A police citation creates negligence per se, making a Stowers demand extremely effective. The side-impact configuration is particularly deadly because modern vehicles have far less protection on the doors than front/rear.

The $30K Problem: Texas minimum liability is only $30,000 per person. For injuries requiring ambulance transport to Peterson Regional Medical Center, emergency imaging, and orthopedic surgery, that limit is exhausted immediately. We investigate:

• Whether the at-fault driver was working (employer liability under respondeat superior)
• Whether another driver pushed them into the intersection (multiple liable parties)
• Your own UM/UIM coverage
• Whether a Dram Shop claim applies if alcohol was involved

Single-Vehicle and Rollover Accidents: When It’s Not Your Fault

Nearly one-third of all Texas traffic deaths (1,353 people) occur in single-vehicle, run-off-road crashes. In Kerrville’s Hill Country terrain, these often happen when:

• A driver swerves to avoid wildlife or another vehicle, then loses control
• Road maintenance failures create dangerous conditions (potholes, missing guardrails)
• Vehicle defects cause sudden mechanical failure

We recently secured a significant cash settlement for a client who injured his back while lifting cargo on a ship because our investigation revealed he should have been assisted. The same investigative principles apply to single-vehicle cases: it’s not always the driver’s fault.

Liable parties can include:

• Texas Department of Transportation or Kerr County for road defects under the Texas Tort Claims Act (6-month notice required!)
• Vehicle manufacturers for defective tires, brakes, or stability control systems
• Other drivers (phantom vehicle cases) triggering your UM coverage
• Employers if the driver was working in a poorly maintained company vehicle

Critical Action: Preserve your vehicle. The evidence of a mechanical failure disappears once repairs begin or the car is totaled.

Head-On Collisions: The Most Catastrophic Crashes

While less common, head-on collisions on two-lane Hill Country roads like State Highway 39 or FM 1340 are almost always fatal or catastrophic. In Texas, these crashes killed 617 people in 2024, with a fatality rate of 9.9%—nearly 1 in 10 head-on crashes results in death.

When caused by drunk driving, these cases become extremely valuable because:

• Criminal DUI conviction = negligence per se (auto liability)
• Punitive damages apply, and if charged as felony Intoxication Assault or Manslaughter, there is NO statutory cap on punitive damages
• Dram Shop Act claims against bars that over-served the driver add $1M+ commercial policies
• Multiple insurance policies can be stacked

If you’ve lost a loved one to a wrong-way driver on I-10 near Kerrville, you need attorneys who understand the nuclear verdict landscape. Texas leads the nation in $10M+ verdicts, with recent trucking and DUI cases hitting $44M to $105M.

Commercial Truck and 18-Wheeler Accidents: Taking on Billion-Dollar Corporations

Texas leads the nation in truck accidents. In 2024, we had 39,393 commercial vehicle accidents causing 608 deaths. The I-10 corridor through Kerr County sees heavy truck traffic connecting San Antonio to West Texas, and every day these massive vehicles share our roads with passenger cars.

The 97/3 Rule: In car-vs-truck crashes, 97% of deaths are car occupants. If you’re in a passenger vehicle hit by an 80,000-pound semi, you face astronomical medical bills and life-altering injuries.

Our firm’s unique advantage: Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas. We’ve litigated against multinational corporations in the $2.1 billion BP Texas City Refinery explosion case that killed 15 workers. We know how to handle complex federal trucking litigation under the FMCSA regulations.

The Deep Pocket Chain in Trucking Cases:

• Truck driver (personal insurance, often minimal)
• Motor carrier/trucking company (commercial policy $750K-$5M+)
• Freight broker (negligent selection of carrier)
• Cargo shipper/loader (improper loading)
• Maintenance provider (faulty repairs)
• Vehicle/parts manufacturer (product liability)
• MCS-90 Endorsement (federal guarantee of payment)

FMCSA Violations = Negligence Per Se:

• Hours of Service violations (11-hour driving limit, 14-hour on-duty limit)
• Failed drug/alcohol tests (0.04% BAC limit for commercial drivers)
• Missing or falsified ELD (Electronic Logging Device) data
• Inadequate pre-trip inspections
• History of safety violations

We subpoena ELD data, dashcam footage, maintenance records, and driver qualification files. This evidence is deleted in 30-180 days, which is why our 48-hour response protocol is critical.

Case 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.”

Rideshare Accidents (Uber/Lyft): The $1 Million Policy Nobody Knows About

Kerrville residents use rideshare services when traveling to San Antonio or Austin, and many visitors arrive via Uber from the airport. Here’s what virtually NO injured victim knows: Uber and Lyft carry $1 million in commercial liability coverage during active rides (Periods 2 and 3).

The Three-Period Insurance System:

• Period 0 (App Off): Personal insurance only ($30K minimum)
• Period 1 (App On, Waiting): Contingent coverage $50K/$100K/$25K
• Period 2 (Ride Accepted, En Route): $1,000,000 commercial
• Period 3 (Passenger Onboard): $1,000,000 liability + $1,000,000 UM/UIM

Most law firms have zero to one pages on rideshare accidents. We’ve built a comprehensive strategy because 58% of rideshare crash victims are third parties—other drivers, pedestrians, or cyclists hit by an Uber driver.

The “independent contractor” defense is crumbling in Texas courts. Uber/Lyft control pricing, routes, acceptance rates, and can deactivate drivers—factors that support an employment-like relationship under Texas law.

If an Uber driver hit you near Kerrville, call 1-888-ATTY-911. We’ll determine exactly which insurance period applied and pursue the full $1 million policy.

Motorcycle Accidents: Fighting Bias and Maximizing Recovery

With scenic Hill Country rides attracting motorcyclists to Highway 16 and the Three Sisters (Ranch Roads 335, 336, and 337), Kerrville sees its share of motorcycle crashes. In Texas, 585 riders died in 2024, with 42% of fatal crashes caused by cars turning left in front of bikes.

The jury bias problem: Insurance defense attorneys paint riders as reckless risk-takers. We combat this by:

• Humanizing you for the jury
• Presenting evidence of your safe riding history
• Demonstrating the car driver’s visibility failure (most left-turn crashes happen because drivers simply don’t see motorcycles)

Underinsurance Crisis: Motorcycle injuries are almost always catastrophic ($200K-$7M+), but at-fault drivers typically carry only $30,000. Your own UM/UIM coverage is the most critical recovery source, and many riders don’t realize they can stack policies.

Texas’s 51% comparative negligence rule means that even if you weren’t wearing a helmet (37% of fatal riders weren’t), you can still recover damages as long as you’re not more than 50% at fault. We fight the helmet argument aggressively.

Pedestrian Accidents: Your Car Insurance Covers You (Most People Don’t Know)

In 2024, 768 pedestrians died on Texas roads—19% of all traffic deaths despite being only 1% of crashes. A pedestrian crash is 28.8 times more likely to be fatal than a car-to-car collision. In Kerrville, with tourists walking downtown near the River Trail and Schreiner University students crossing streets, this risk is real.

Here’s the critical fact insurance companies hope you never learn: YOUR OWN CAR INSURANCE covers you as a pedestrian. Your Uninsured/Underinsured Motorist (UM/UIM) policy applies even when you’re not in your vehicle.

The Collection Stack for Pedestrian Cases:

1. At-fault driver’s liability policy ($30K-$60K typical)
2. Your own UM/UIM coverage (can stack with multiple policies)
3. Dram Shop claims if driver was overserved at a bar
4. Employer liability if driver was working
5. Government entity claims if road design contributed (missing crosswalks, inadequate lighting)

UM/UIM is the most underutilized coverage in Texas. An estimated 14% of drivers are uninsured, and many more carry only minimum limits. Your own policy may provide $100K, $250K, or even $500K in additional coverage.

We recently secured a multi-million dollar settlement for a client who suffered a brain injury with vision loss. For pedestrians facing catastrophic injuries, this level of advocacy is essential.

Drunk Driving Accidents: Maximum Recovery Through Multiple Avenues

DUI crashes are the least defensible cases in Texas law. A criminal conviction establishes negligence per se, and if charged as felony Intoxication Assault or Manslaughter, punitive damages have NO statutory cap.

In Kerrville, where local establishments serve alcohol and I-10 brings impaired drivers through our community, these crashes peak at 2:00-2:59 AM Sunday mornings when bars close.

The Maximum Recovery Stack:

1. Drunk driver’s policy (exhaust limits)
2. Dram Shop Act claims against every bar/restaurant that served them (each with $1M+ commercial policies)
3. Your UM/UIM coverage
4. Punitive damages (no cap for felony DUI)
5. Abstract of judgment against defendant’s assets
6. Stowers demand to force settlement

Dram Shop Liability Under Texas Alcoholic Beverage Code § 2.02: To win, we must prove the establishment served someone who was obviously intoxicated (slurred speech, bloodshot eyes, unsteady gait) and that over-service caused the crash.

We investigate: receipts showing number of drinks, surveillance video from the bar, witness statements about the driver’s condition, and TABC records of prior violations.

Single-Vehicle and Weather-Related Accidents: It’s Not Always Your Fault

Weather Myth Demolished: 90.3% of Texas crashes occur in clear or cloudy weather. Rain accounts for only 8.4% of crashes. Driver behavior, not weather, causes accidents.

However, when weather IS a factor, insurance companies exploit it. They argue you were driving “too fast for conditions” to assign maximum fault under Texas’s 51% comparative negligence rule.

Common Scenarios in Kerrville:

• Hydroplaning on I-10: May be vehicle defect (tread separation) or road defect (improper drainage)
• Black ice on bridges: Government entity may be liable for inadequate signage or treatment
• Debris from unsecured loads: Commercial vehicle or government maintenance contractor negligence
• Wildlife avoidance: If another driver’s actions forced you to swerve, they may be liable

We investigate mechanical defects, road design flaws, and third-party negligence. Your vehicle’s black box data, road maintenance records, and witness statements can prove you’re not at fault.

Rollover Accidents: The Deadliest Single-Vehicle Crashes

Rollovers killed hundreds in Texas last year, with 75% occurring in rural areas like Kerr County. Two factors dominate:

• Excessive speed: 40% of fatal rollovers involve speeding
• Alcohol: 50% involve impairment

But many rollovers stem from:

• Tire defects (tread separation)
• Road design (no guardrails on steep embankments)
• Vehicle stability issues (SUVs and trucks with high centers of gravity)
• Tripping hazards (potholes causing loss of control)

Vehicle Preservation is Critical: Do NOT let your totaled vehicle be destroyed until we’ve inspected it for defects. That evidence disappears forever.

Commercial Vehicle and Delivery Truck Accidents: Amazon, FedEx, UPS

The rise of e-commerce means more delivery trucks on Kerrville’s streets than ever. TxDOT reports 8,950 crashes statewide from “Backed Without Safety,” a particularly relevant factor for delivery vehicles constantly reversing into driveways and parking spaces.

Amazon DSP (Delivery Service Partner) Strategy: Amazon claims drivers are “independent contractors,” but we prove Amazon’s control:

• Sets delivery quotas and routes
• Requires branded uniforms and vehicles
• Uses AI surveillance cameras (“Driveri”)
• Controls driver scorecards and deactivation
• This level of control supports direct liability

Recent Verdicts:

• Lopez v. All Points 360 (Amazon DSP): $105 million
• Georgia child struck by Amazon van: $16.2 million
• New Prime I-35 pileup (6 deaths): $44.1 million

If an Amazon, FedEx, or UPS truck hit you in Kerrville, we pursue corporate policies, not just the driver’s minimal coverage.

Wrongful Death: Fighting for Families Who’ve Lost Everything

When negligence takes a loved one, Texas law allows surviving spouses, children, and parents to recover damages through a wrongful death claim. This is separate from a survival action, which covers damages the deceased would have recovered (pain before death, medical bills).

Damages Available:

• Lost earning capacity and financial support
• Loss of companionship and consortium
• Mental anguish and emotional distress
• Funeral and burial expenses

The statute of limitations is 2 years from date of death, not date of accident. If the crash occurred in Kerrville but your loved one died weeks later in a San Antonio hospital, the clock starts at death.

We’ve helped families recover millions in trucking-related wrongful death cases. Donald Wilcox shared: “One company said they would not except my case. Then I got a call from Manginello…I got a call to come pick up this handsome check.”

What You Can Recover: Complete Damages Guide

Economic Damages (NO CAP in Texas):

• Medical expenses (past and future): ER visits, surgeries, hospital stays, physical therapy, medications, medical equipment
• Lost wages (past and future): Income lost from missed work, reduced earning capacity, lost benefits
• Property damage: Vehicle repair/replacement, personal property
• Out-of-pocket: Transportation to appointments, home modifications, household help

Non-Economic Damages (NO CAP except medical malpractice):

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

Punitive/Exemplary Damages:
Available for gross negligence, fraud, or malice. For felony DUI cases (Intoxication Assault/Manslaughter), there is NO statutory cap on punitive damages.

Settlement Multiplier Method: Serious cases often use medical expenses × multiplier (3-5x) + lost wages. Lupe’s insider knowledge tells us exactly how insurance companies calculate these values and when to demand policy limits instead.

The Insurance Company Tactics We Defeat (Lupe’s Insider Guide)

1. Quick Contact & Recorded Statement
They call within days, sometimes while you’re medicated. “You’re feeling better though, right?” Everything is transcribed and weaponized. Counter: Once you hire us, ALL communication goes through Attorney911. You legally cannot give a recorded statement to the other driver’s insurer without us present.

2. Quick Settlement Offer ($2K-$5K)
They prey on your financial desperation. Week 3 you sign for $3,500. Week 6, MRI shows herniated disc needing $100K surgery. Release is permanent—no take-backs. Counter: We NEVER settle before Maximum Medical Improvement. Lupe knows they’re offering 10-20% of true value.

3. “Independent” Medical Exam
Their doctor, paid $2K-$5K, finds your treatment excessive in a 15-minute exam. Counter: We know these doctors’ biases and cross-examine them. We have our own experts who provide honest assessments.

4. Delay and Financial Pressure
They ignore calls for weeks, hoping desperation forces you to accept lowball offer. Counter: We file lawsuit to impose court deadlines. Lupe used delay tactics—now he defeats them.

5. Surveillance & Social Media Monitoring
PIs video you, monitor all social media. One photo of you bending over = “Not injured.” 7 Rules: Make profiles private, don’t post about accident, no check-ins, tell friends not to tag you, don’t accept strangers, best = stay off social media entirely, assume EVERYTHING is monitored.

6. Comparative Fault Arguments
They try to assign you maximum fault (even 10% costs thousands). Counter: Lupe made these arguments for years. We defeat them with reconstruction, witnesses, experts.

7. Medical Authorization Trap
They demand broad authorization to search for pre-existing conditions. Counter: We limit authorizations to accident-related records only.

8. Gaps in Treatment
Any gap = “Not really hurt.” Counter: We ensure consistent treatment, connect you with lien doctors, document legitimate reasons.

9. Policy Limits Bluff
They claim only $30K available. Hidden: Umbrella policies, commercial policies, stacking. We’ve found $8M+ where only $30K was disclosed. Lupe knows coverage structures.

The 48-Hour Critical Action Protocol

Hours 1-6:

• Get to safety, call 911
• Seek medical attention at Peterson Regional Medical Center (ER is best)
• Document everything: photos of all damage, scene, injuries
• Exchange information
• Witnesses: Get names and numbers
• CALL 1-888-ATTY-911 before speaking to ANY insurance company

Hours 6-24:

• Preserve ALL digital evidence (texts, photos, emails)
• Keep damaged clothing/items, DON’T repair vehicle yet
• Request ER records and discharge papers
• Refer ALL insurance calls to us: “I need to speak with my attorney”
• Make social media PRIVATE (Facebook, Instagram, TikTok)

Hours 24-48:

• Schedule consultation with Attorney911 (bring all documentation)
• Create written timeline while memory is fresh
• Never sign anything without our review

Evidence Disappears Daily: Surveillance footage (7-30 days), ELD/black box data (30-180 days), witness memories, skid marks. Our preservation letters legally require parties to save this evidence.

Why Kerrville Chooses Attorney911

Our Track Record:

• 27+ years of Ralph Manginello’s experience
• Federal court admission to Southern District of Texas
• BP Texas City Refinery litigation ($2.1B case against multinational corporation)
• Multi-million dollar settlements in brain injury, amputation, trucking wrongful death cases
• 4.9 Google stars from 251+ reviews

Celeste S. from Kerrville told us: “Attorney Manginello is so knowledgeable but straight to the point…responded quickly even while he was away.”

Cassie Wright said: “Ralph is an AMAZING ATTORNEY. I have used him 2 TIMES…He gets the JOB DONE RIGHT!!!!”

Chad Harris emphasized our family approach: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”

The Insurance Defense Advantage: No other firm in the Hill Country can say “we know their playbook because our attorney worked for them.” Lupe Peña’s years defending insurance companies gives you classified intelligence.

Local Knowledge: We know Kerrville’s courts, the 216th District Court in Kerr County, and how local juries respond. We understand the economic impact of injuries on families in our $47,000 median income area—lost wages hit harder here than in Houston.

Spanish Services: With nearly 30% Hispanic population in Kerr County, our bilingual team (Lupe Peña fluent, staff Zulema translating) ensures no language barrier prevents justice. Hablamos Español.

Frequently Asked Questions for Kerrville Accident Victims

Q: What should I do immediately after a car accident in Kerrville?
A: Safety first—get medical attention at Peterson Regional Medical Center or call 911. Document everything with photos. Get witness information. Most importantly, call 1-888-ATTY-911 before giving any recorded statement to insurance.

Q: How much time do I have to file a lawsuit in Texas?
A: The statute of limitations is 2 years from the accident date for personal injury. For government claims (like road defects), you have only 6 months to give notice. Don’t wait—evidence disappears daily.

Q: Should I accept the insurance company’s first settlement offer?
A: Absolutely not. Their initial offer is typically 10-20% of your case’s true value. We’ve seen clients offered $3,500 who later needed $100,000 surgeries. Once you sign a release, you cannot reopen the case.

Q: Can I recover damages if I was partially at fault?
A: Yes, under Texas’s modified comparative negligence rule, you can recover as long as you’re not more than 50% at fault. Your recovery is reduced by your percentage of fault. Lupe’s experience making these arguments from the defense side means we know how to defeat them.

Q: What if the other driver was drunk and hit me near Kerrville?
A: You have multiple recovery sources: the driver’s policy, your UM/UIM coverage, and potentially a Dram Shop claim against the bar that over-served them. If charged with felony DUI, punitive damages have no cap.

Q: Does my car insurance cover me if I’m hit as a pedestrian in Kerrville?
A: YES—most people don’t know this. Your UM/UIM coverage applies even when you’re walking. This is often the largest available policy in pedestrian cases.

Q: How much does it cost to hire Attorney911?
A: We work on pure contingency—no fee unless we win. Our fee is typically 33.33% if settled before trial, 40% if we go to trial. You pay nothing upfront. We advance all case costs.

Q: Will I have to go to court?
A: Most cases settle, but we prepare every case as if it’s going to trial. Insurance companies know we’re not bluffing because of our multi-million dollar results and federal court experience.

Q: What if I was injured in a truck accident on I-10 near Kerrville?
A: These are the highest-value cases. We immediately preserve ELD data, dashcam footage, and driver records. We investigate FMCSA violations and pursue the entire Deep Pocket Chain—driver, carrier, broker, maintenance provider, and manufacturer.

Q: Can undocumented immigrants file injury claims in Texas?
A: YES. Your immigration status does not affect your right to compensation. Attorney911 represents all injured Texans, regardless of status. Hablamos Español.

Serving All of Kerr County and the Texas Hill Country

Whether you’re in Kerrville, Ingram, Mountain Home, or anywhere in Kerr County, we’re here for you. We also serve families in neighboring counties:

• Gillespie County (Fredericksburg)
• Kendall County (Boerne, Comfort)
• Bandera County (Bandera)
• Edwards County (Rocksprings)
• Real County (Leakey)

And throughout the Hill Country region—from Mason to Junction, from Uvalde to Llano.

Call Attorney911 Today: 1-888-ATTY-911

When you’ve been injured in a car accident in Kerrville, you need more than just a lawyer—you need a legal emergency response team that knows Texas law, knows the insurance playbook, and knows how to win multi-million dollar results.

Ralph Manginello has 27+ years of experience and federal court admission. Lupe Peña brings insider knowledge from years defending insurance companies. Together, they’ve recovered millions for injured Texans just like you.

No fee unless we win. Free consultation. 24/7 live staff (not an answering service). Hablamos Español.

Don’t let insurance adjusters build their case against you while you wait. Evidence disappears in days. The statute of limitations is absolute. Call now: 1-888-ATTY-911.

Attorney911: The Manginello Law Firm, PLLC
Emergency Hotline: 1-888-ATTY-911 (1-888-288-9911)
Houston Office: 1177 West Loop S, Suite 1600, Houston, TX 77027
Serving Kerrville, Kerr County, and all of Texas

Every case is unique. Past results do not guarantee future outcomes. You may be responsible for court costs and case expenses.