Motor Vehicle Accident Lawyers in Lowry Crossing, Texas

If you’ve been injured in a car accident in Lowry Crossing, Texas, you’re not alone. With Texas experiencing a motor vehicle crash every 57 seconds and one person injured every two minutes and five seconds, the roads in our state are more dangerous than ever. At Attorney911, we understand the physical, emotional, and financial toll that a serious accident can take on you and your family. Our team of experienced motor vehicle accident lawyers is here to fight for the compensation you deserve while you focus on your recovery.

Why Lowry Crossing Accident Victims Choose Attorney911

Lowry Crossing and the surrounding Collin County area see their share of traffic accidents, from collisions on local roads to serious incidents on major highways like US-380 and the Dallas North Tollway. When accidents happen, you need more than just a lawyer – you need a legal team with deep local knowledge and a proven track record of success.

Ralph Manginello, our founding attorney with over 25 years of experience, has built Attorney911 into a trusted name in Texas personal injury law. What sets us apart is our unique insider advantage: our team includes Lupe Peña, a former insurance defense attorney who spent years working for national insurance companies. Now, he uses that knowledge to fight for accident victims like you.

Common Types of Motor Vehicle Accidents in Lowry Crossing

Car Accidents

Car accidents are the most common type of motor vehicle collision in Lowry Crossing and throughout Collin County. In 2024 alone, Texas saw 251,977 people injured in motor vehicle crashes. Common causes include:

Distracted driving (a factor in 380 Texas deaths in 2024)
Speeding
Failure to yield right-of-way
Running red lights or stop signs
Following too closely
Driving under the influence

In a recent case, our client’s leg was injured in a car accident. During treatment, staff infections developed, leading to a partial amputation. This case settled in the millions – proving that we fight for maximum compensation even when injuries become more severe than initially expected.

Trucking Accidents

With major highways running through Collin County and the Dallas-Fort Worth metroplex, trucking accidents are a serious concern for Lowry Crossing residents. In 2024, Texas saw 39,393 commercial motor vehicle crashes resulting in 608 fatalities and 1,601 serious injuries.

Trucking accidents often result in catastrophic injuries due to the size and weight disparity between commercial trucks (up to 80,000 pounds) and passenger vehicles (about 4,000 pounds). Our firm has extensive experience handling these complex cases, including:

Hours of Service violations
Driver fatigue
Improper loading
Vehicle maintenance failures
Electronic Logging Device (ELD) data analysis

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. Our federal court experience (Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas) is particularly valuable in trucking cases that often involve federal regulations.

Drunk Driving Accidents

Drunk driving remains a serious problem in Texas, with 1,053 alcohol-impaired driving deaths in 2024 – accounting for 25.37% of all traffic fatalities in our state. In Collin County, we see far too many preventable tragedies caused by intoxicated drivers.

What many accident victims don’t realize is that in Texas, bars and restaurants can also be held liable under the Dram Shop Act (Texas Alcoholic Beverage Code § 2.02) if they served alcohol to 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

Our firm’s unique advantage in these cases comes from our combined expertise in both civil and criminal law. Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving us the ability to handle both the criminal aspects of a DWI case and the civil personal injury claim.

Motorcycle Accidents

Motorcycle accidents often result in severe injuries due to the lack of protection for riders. In 2024, Texas saw 585 motorcyclist fatalities, with 37% of those killed not wearing helmets. Harris County leads the state in motorcycle fatalities, but Collin County sees its share of serious motorcycle crashes as well.

Common causes of motorcycle accidents in our area include:

Drivers failing to yield right-of-way to motorcyclists
Distracted driving
Unsafe lane changes
Left-turn accidents
Speeding and reckless driving

One of the biggest challenges in motorcycle accident cases is the bias that insurance companies often have against riders. They frequently try to assign fault to the motorcyclist, even when the facts show otherwise. Lupe Peña’s experience as an insurance defense attorney gives us a significant advantage in countering these unfair tactics.

Pedestrian Accidents

Pedestrian accidents are particularly devastating, with pedestrians accounting for 1% of crashes but 19% of all roadway deaths in Texas. In 2024, there were 6,095 pedestrian crashes in Texas resulting in 768 fatalities.

A critical legal point that many people don’t know: pedestrians ALWAYS have the right-of-way at intersections in Texas, even at unmarked crosswalks. This means that anytime two streets intersect, the area between them is considered a crosswalk – even if there are no painted lines.

Common pedestrian accident injuries include:

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

What to Do After a Motor Vehicle Accident in Lowry Crossing

The 48-Hour Protocol: Protecting Your Rights

The first 48 hours after an accident are critical for preserving evidence and protecting your legal rights. Here’s what you should do:

Hour 1-6: Immediate Crisis Response

Ensure your safety and move to a secure location if possible
Call 911 to report the accident and request medical assistance
Seek medical attention even if you feel fine – adrenaline can mask injuries
Document everything with photos: vehicle damage, injuries, road conditions
Exchange information with the other driver(s): name, phone, address, insurance details
Get names and contact information from any witnesses
Call Attorney911 at 1-888-ATTY-911 for immediate legal guidance

Hour 6-24: Evidence Preservation

Preserve all digital evidence: texts, calls, photos, videos
Secure damaged clothing or personal items as evidence
Keep receipts for any accident-related expenses
Request copies of all medical records and bills
Note any calls from insurance companies but don’t give statements
Make all social media profiles private and don’t post about the accident

Hour 24-48: Strategic Decisions

Consult with an experienced motor vehicle accident attorney
If insurance contacts you, refer them to your attorney
Don’t accept or sign any settlement offers without review
Back up all evidence to cloud storage
Create a written timeline of events while your memory is fresh

Why Time is Critical: Evidence Disappears Daily

Every day you wait, critical evidence disappears:

7-30 days: Surveillance footage from nearby businesses is typically deleted
30-180 days: Electronic Logging Device (ELD) data from trucks can be overwritten
Weeks to months: Witness memories fade and become less reliable
Months: Insurance companies solidify their defense position against your claim

At Attorney911, we act immediately to preserve evidence. Within 24 hours of being retained, we send preservation letters to:

The other driver’s insurance company
Trucking companies (for commercial vehicle accidents)
Businesses near the accident scene
Employers (if the accident was work-related)
Property owners
Government entities
Vehicle manufacturers

These letters legally require the preservation of evidence before automatic deletion occurs.

Texas Motor Vehicle Accident Law: What You Need to Know

Statute of Limitations

In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit (Texas Civil Practice & Remedies Code § 16.003). For wrongful death claims, the 2-year clock starts from the date of death.

Important exceptions:

If the defendant leaves Texas, the statute may be tolled (paused)
For minors, the clock doesn’t start until they turn 18
Discovery rule may extend the deadline if injuries weren’t immediately discoverable

Missing this deadline means your case is barred forever – you cannot recover any compensation.

Comparative Negligence: The 51% Rule

Texas uses a modified comparative negligence system with a 51% bar rule. This means:

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

This is why insurance companies always try to assign maximum fault to accident victims. Even small percentages of fault can cost you thousands:

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

Lupe Peña’s experience as an insurance defense attorney gives us a significant advantage in countering these comparative fault arguments. He knows exactly how insurance companies try to shift blame because he used these tactics for years.

Texas Minimum Auto Insurance Requirements

Texas requires all drivers to carry minimum insurance coverage of:

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

However, these minimums are often insufficient to cover serious injuries. That’s why we always look for additional sources of compensation, including:

Umbrella policies
Commercial insurance (if the at-fault driver was working)
Multiple vehicles with stacked coverage
Dram shop liability (for drunk driving accidents)

How Insurance Companies Try to Minimize Your Claim

At Attorney911, we know the insurance playbook because Lupe Peña used to be on their side. Here are the tactics they use to minimize or deny your claim:

Tactic #1: The Quick Contact and Recorded Statement

Within days of your accident, an insurance adjuster will contact you, often while you’re still in the hospital or on pain medication. They’ll sound friendly and helpful, saying things like:

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

What they’re really doing:
They’re building their defense against you with leading questions designed to get you to say things that hurt your case:

Question They Ask	What They Want You to Say
“You’re feeling better now, right?”	That your injuries are improving
“It wasn’t that bad of an impact, was it?”	That your injuries aren’t serious
“You were able to walk away from the scene?”	That you weren’t really injured
“Were you distracted at all?”	That you were partially at fault
“How fast were you going?”	That you were speeding

The truth: You are NOT required to give a recorded statement to the other driver’s insurance company. In fact, doing so almost always hurts your case.

What we do: Once you hire Attorney911, we become your voice. All calls go through us. We prepare you properly if a statement becomes absolutely necessary, and we’re with you during any statements. We know their questions because Lupe asked them for years.

Tactic #2: The Quick Settlement Offer

Within days or weeks of your accident, the insurance company may offer you a quick settlement – typically $2,000-$5,000, sometimes up to $15,000 if they’re worried about the case.

The trap:
You don’t know the full extent of your injuries yet. What might seem like a good offer now could be a fraction of what you’ll need for future medical treatment.

Real example from our cases:
An insurance company offered our client $3,500 just three days after her accident. She was in pain and desperate for money, so she signed the release. Six weeks later, an MRI revealed a herniated disc requiring surgery that cost $100,000. Because she had already signed the release, she couldn’t get any additional compensation and had to pay the $100,000 out of pocket.

What we do: We NEVER settle a case until you’ve reached Maximum Medical Improvement (MMI) – the point where your doctors determine you’ve recovered as much as you’re going to. This could be 6 months for minor injuries or 18-24 months for serious injuries. We know their offers are always lowball because Lupe calculated these offers for years.

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

After a few months, the insurance company may require you to see a doctor of their choosing for an “Independent Medical Examination” (IME).

What it really is:
This is NOT an independent exam. It’s an exam by a doctor hired and paid by the insurance company to minimize your injuries.

How insurance companies choose IME doctors:

They select doctors who consistently give insurance-favorable reports
These doctors are paid $2,000-$5,000 per exam by insurance companies
Repeat business depends on giving favorable reports

What happens at an IME:

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

Common IME doctor findings:

“Patient has pre-existing degenerative changes” (everyone over 40 has some arthritis)
“Injuries consistent with minor trauma” (minimizing your pain)
“Patient can return to full duty work” (eliminating lost wage claims)
“Treatment has been excessive” (attacking your treating doctors)
“Subjective complaints out of proportion to objective findings” (calling you a liar)

What we do: We prepare you extensively before the exam. We send your complete medical records to the IME doctor first, forcing them to review them. We challenge biased IME reports with our own medical experts. And most importantly, Lupe knows these specific doctors and their biases because he hired them for years when he worked for insurance companies.

Tactic #4: Delay and Financial Pressure

Insurance companies often drag out cases, hoping you’ll get desperate and accept a low settlement. They might say:

“We’re still investigating your claim”
“We’re waiting for medical records”
“Your file is under review”
“We need more information”

Why delay works:
Insurance companies have unlimited time and resources. They earn interest on your settlement money while delaying. Meanwhile, you have:

Mounting medical bills
No income if you can’t work
Creditors threatening to take action
Financial desperation

What we do: 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 these delay tactics because he used them when he worked for insurance companies – he knows exactly when and how to push back.

Tactic #5: Surveillance and Social Media Monitoring

Insurance companies hire private investigators to:

Video you doing daily activities
Film you from public places (your driveway, street, stores)
Follow you to appointments, errands, social activities
Look for any activity that contradicts your injury claims

They also monitor ALL your social media:

Facebook, Instagram, TikTok, LinkedIn, Twitter, YouTube, Snapchat
Screenshot everything: posts, photos, 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 against:

Example	What Happened	What Insurance Claimed	Reality
Old gym photo	Photo from 3 years ago	Presented as recent, contradicting injury	We proved the photo was pre-accident
Restaurant check-in	Facebook check-in at restaurant	“Partying and having fun”	Client was 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 with client smiling	“Not in pain – she’s smiling!”	Everyone smiles for photos

7 rules we tell all our clients:

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

Lupe Peña’s insider perspective is invaluable here. He’s reviewed hundreds of surveillance videos and social media posts as a defense attorney. His advice: “Insurance companies take innocent activity out of context. They freeze ONE frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after. They’re not documenting your life – they’re building ammunition against you.”

Tactic #6: Comparative Fault Arguments

Insurance companies always try to assign you maximum fault to reduce their payment. They might claim:

“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:
Under Texas’s 51% bar rule, even small percentages of fault can significantly reduce your recovery:

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

What we do: We conduct aggressive liability investigations to prove the other driver’s fault. We gather:

Accident reconstruction reports
Witness statements supporting your version
Police report analysis emphasizing citations
Expert testimony on perception-reaction time

Lupe knows these fault arguments because he made them for years when he worked for insurance companies. Now he knows exactly how to defeat them.

How Colossus Software Undervalues Your Claim

Most major insurance companies use a software system called Colossus to calculate claim values. Lupe Peña knows this system intimately because he used it when he worked for insurance companies.

How Colossus Works:

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

How Insurance Companies Manipulate Colossus:

Manipulation	Effect
Using low injury codes	“Soft tissue strain” instead of “disc herniation” reduces value 50-100%
Flagging “excessive” treatment	Physical therapy beyond “normal” range triggers reductions
Penalizing conservative treatment	Chiropractic care valued less than MD treatment
Applying pre-existing reductions	Any prior condition used to reduce value
Using jurisdiction factors	Low-verdict counties get lower values

Why Lupe’s Experience is Invaluable:

He knows how to present medical records to show true injury severity
He knows which medical terms trigger higher valuations
He knows when Colossus output is artificially low
He knows how to present cases to beat the algorithm
He calculated these values for years as a defense attorney

Common Injuries in Motor Vehicle Accidents

Traumatic Brain Injury (TBI)

Brain injuries are among the most serious consequences of motor vehicle accidents. Symptoms may not appear immediately due to adrenaline masking the pain.

Immediate symptoms:

Loss of consciousness (even brief)
Confusion and disorientation
Vomiting and nausea
Seizures
Severe headache
Dilated pupils
Slurred speech
Weakness or numbness

Delayed symptoms (hours to days later):

Worsening headaches
Repeated vomiting
Seizures developing later
Slurred speech or difficulty speaking
Personality changes and mood swings
Sleep disturbances
Sensitivity to light and noise
Increasing confusion and memory problems

Severity classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief LOC, GCS 13-15, may seem “fine” initially
Moderate TBI	LOC minutes to hours, GCS 9-12, lasting cognitive impairment
Severe TBI	Extended unconsciousness or coma, GCS 3-8, permanent disability likely

Long-term complications:

Chronic Traumatic Encephalopathy (CTE)
Post-Concussive Syndrome (10-15% of patients)
Increased dementia risk (single moderate TBI doubles risk)
Personality and mood disorders (depression in 40-50% of TBI patients)
Seizure disorders
Cognitive impairment

Spinal Cord Injuries

Spinal cord injuries often result in permanent disability and require lifetime care.

Injury levels and impact:

Injury Level	Characteristics
C1-C4 (High Cervical)	Quadriplegia, possible ventilator dependence, 24/7 care required
C5-C8 (Low Cervical)	Quadriplegia with some arm/hand function, wheelchair dependent
T1-T12 (Thoracic)	Paraplegia (lower body paralysis), wheelchair dependent
L1-L5 (Lumbar)	Varying degrees of leg weakness/paralysis, may walk with assistive devices

ASIA Impairment Scale:

Grade	Classification	Prognosis
A	Complete	No motor or sensory function below injury – worst prognosis
B	Sensory Incomplete	Sensory function but no motor function below injury
C	Motor Incomplete	Motor function but most muscles <3/5 strength
D	Motor Incomplete	Motor function with most muscles ≥3/5 strength
E	Normal	Full motor and sensory function (recovered)

Secondary complications:

Pressure sores (leading cause of hospitalization)
Respiratory complications (pneumonia – leading cause of death)
Bowel and bladder dysfunction
Sexual dysfunction
Autonomic dysreflexia (life-threatening blood pressure crisis)
Depression (40-60% of patients)
Shortened life expectancy (5-15 years on average)

Amputations

Amputations can occur at the accident scene or later due to complications like infections.

Types of amputations:

Traumatic amputation (limb severed at accident scene)
Surgical amputation (due to crush injuries or infections)

Levels of amputation:

Above-knee (more difficult, less mobility)
Below-knee (better mobility potential)
Upper extremity (arm, hand, fingers)
Multiple limbs (exponentially more challenging)

Phantom limb pain:

80% of amputees experience phantom pain
Feeling pain in a limb that’s no longer there
Often a permanent condition
Requires lifetime pain management

In a recent case, our client’s leg was injured in a car accident. Staff infections developed during treatment, leading to a partial amputation. This case settled in the millions – demonstrating our commitment to fighting for maximum compensation even when injuries become more severe than initially expected.

Herniated Discs

Herniated discs are common in motor vehicle accidents and can require extensive treatment.

Treatment timeline:

Acute Phase (Weeks 1-6): Severe pain, medications, rest. Cost: $2,000-$5,000
Conservative Treatment (Weeks 6-12): Physical therapy, chiropractic. Cost: $5,000-$12,000
Interventional (If Conservative Fails): Epidural steroid injections. Cost: $3,000-$6,000
Surgery (If Injections Fail): Microdiscectomy or fusion. Cost: $50,000-$120,000

Permanent restrictions:

Inability to return to physical labor jobs
Lost earning capacity claims
Ongoing pain management needs

Soft Tissue Injuries

While often dismissed as “minor,” soft tissue injuries can cause chronic pain and disability.

Why insurance companies undervalue soft tissue injuries:

No broken bones or surgery = appears “minor”
Difficult to see on X-rays
Symptoms are subjective (pain, stiffness)

Why soft tissue injuries can be serious:

15-20% develop chronic pain
Can prevent return to physical jobs
Whiplash can cause permanent problems
Often misdiagnosed initially

Proper documentation is critical:

Detailed pain descriptions to doctors
Consistent treatment (no gaps)
MRI proving injury
Physical therapy records
Work restrictions documented

What You Can Recover: Damages in Texas Motor Vehicle Accident Cases

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 damages + 1x non-economic damages, capped at $750,000 for non-economic portion)
Purpose: Punish defendant and deter similar conduct

Settlement Ranges by Injury Type

Injury Type	Medical Treatment	Settlement Range
Soft Tissue (Whiplash, Sprains)	$6,000-$16,000	$15,000-$60,000
Broken Bone (Single, Simple)	$10,000-$20,000	$35,000-$95,000
Broken Bone (Requiring Surgery)	$47,000-$98,000	$132,000-$328,000
Herniated Disc (Conservative)	$22,000-$46,000	$70,000-$171,000
Herniated Disc (Surgery Required)	$96,000-$205,000	$346,000-$1,205,000
Traumatic Brain Injury (Moderate-Severe)	$198,000-$638,000	$1,548,000-$9,838,000
Spinal Cord Injury (Paraplegia)	$500,000-$750,000	$4,770,000-$25,880,000
Amputation	$170,000-$480,000	$1,945,000-$8,630,000
Wrongful Death	Varies by case	$1,910,000-$9,520,000

Important note: Every case is unique. These ranges are based on Texas verdicts and settlements but don’t guarantee any specific outcome in your case.

Why Choose Attorney911 for Your Lowry Crossing Motor Vehicle Accident Case

1. Insurance Defense Insider Advantage

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

This is our most powerful advantage. Lupe spent years working FOR insurance companies, learning:

How they value claims (Colossus software, reserve setting)
Their settlement authority structures
Their defense tactics and delay strategies
How they select IME (Independent Medical Exam) doctors
Their surveillance and investigation methods
Their comparative fault arguments
Their delay and financial pressure tactics

Now he uses that knowledge FOR victims, not against them. As one client said: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.” – Chad Harris

2. Multi-Million Dollar Results

Our track record speaks for itself:

Multi-million dollar settlement for a client who suffered brain injury with vision loss when a log dropped on him at a logging company
In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions
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 federal court experience is crucial for:

Complex trucking cases involving FMCSA regulations
Cases against corporations (like our involvement in BP explosion litigation)
Cases with out-of-state defendants
Cases requiring federal jurisdiction

4. Personal Attention You Can Trust

At Attorney911, you’re not just a case number. You work directly with Ralph Manginello and Lupe Peña, not case managers or paralegals. Our clients consistently praise our communication and personal touch:

“Melanie was excellent. She kept me informed and when she said she would call me back, she did. I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.” – Brian Butchee

“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 and Amanda were amazing, they walked me through everything with my car accident.” – Kelly Hunsicker

5. Contingency Fee – No Risk to You

We don’t get paid unless we win your case. This means:

Free consultation with no obligation
No upfront costs
We advance all case expenses
You pay nothing unless we recover compensation for you
Our fee is a percentage of the recovery

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

Frequently Asked Questions About Motor Vehicle Accidents in Lowry Crossing

Immediate After Accident

What should I do immediately after a car accident in Lowry Crossing?
If you’ve been in an accident in Lowry Crossing:

Call 911 and report the accident
Seek medical attention even if you feel fine (adrenaline masks injuries)
Document everything: take photos of damage, injuries, and the 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 at 1-888-ATTY-911

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.

Should I seek medical attention if I don’t feel hurt?
Absolutely. Many serious injuries don’t show symptoms immediately:

Traumatic brain injuries can take days to manifest
Internal bleeding may not be obvious
Herniated discs may not cause pain for weeks
Adrenaline masks pain at the scene

Insurance companies use delays in treatment against you. Get checked immediately.

What information should I collect at the scene?

Other driver: name, phone, address, driver’s license, insurance
Vehicle: make, model, color, license plate
Witnesses: names and phone numbers
Photos: all vehicle damage, injuries, road conditions, traffic signals
Police: officer name, badge number, report number

Should I talk to the other driver or admit fault?

Exchange information only
Do NOT discuss fault
Do NOT apologize or say “I’m sorry” (can be used as admission)
Do NOT give your opinion on what happened
Stick to facts only

How do I obtain a copy of the accident report?
In Lowry Crossing, you can obtain the police report from the responding agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

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

What if the other driver’s insurance contacts me?
Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give a recorded statement. Do NOT discuss injuries or fault.

Do I have to accept the insurance company’s estimate?
No. Their estimate is just an offer. It’s usually far below actual value. Attorney911 fights for what your case is really worth.

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

What if the other driver is uninsured/underinsured?
Your own UM/UIM (Uninsured/Underinsured Motorist) coverage can compensate you. Watch our video on UM/UIM claims: https://www.youtube.com/watch?v=kWcNFyb-Yq8

Why does insurance want me to sign a medical authorization?
They want unlimited access to your ENTIRE medical history to find pre-existing conditions to use against you. Never sign without attorney review.

Legal Process

Do I have a personal injury case?
You may have a case if:

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

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

When should I hire a car accident lawyer?
Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. Call Attorney911: 1-888-ATTY-911

How much time do I have to file (statute of limitations)?
In Texas: 2 years from the date of accident for personal injury, 2 years from date of death for wrongful death. Miss it = case barred forever.

What is comparative negligence and how does it affect me?
Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your fault %). If 51%+ at fault, you get nothing.

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

What happens if I was partially at fault?
You can still recover if you were 50% or less at fault. Your recovery is reduced by your percentage of fault.

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

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

How long will my case take to settle?
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.

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

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).

What types of damages can I recover?

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

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

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

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

How is the value of my claim determined?
Based on: medical bills, future treatment costs, lost income, permanent impairment rating, comparable verdicts, severity of injuries, impact on daily life.

Attorney Relationship

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

What does “no fee unless we win” mean?
You pay zero unless we recover money for you. If we don’t win, you owe us nothing. We advance all case costs.

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

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

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

Mistakes to Avoid

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

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.

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.

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

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 the victim as they find them. 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 because he used this defense for years.

Can I switch attorneys if I’m unhappy with my current lawyer?
YES. You can fire your attorney at any time. If your attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you have the right to switch. Attorney911 has taken over many cases from other attorneys. As Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” Call 1-888-ATTY-911 to discuss switching.

What if the insurance company is my own insurance (UM/UIM claim)?
Uninsured/Underinsured Motorist claims are against YOUR insurance when the other driver has no insurance or insufficient insurance. Your insurance company will fight your claim just like the other driver’s insurance would. You need attorney representation. Texas allows inter-policy stacking (combining multiple UM policies). Lupe’s insurance knowledge is critical for maximizing UM/UIM recovery.

How do you calculate pain and suffering?
Most commonly using the multiplier method: Medical expenses × multiplier (1.5 to 5) = pain & suffering. The multiplier depends on: injury severity, permanency, impact on life, clear liability. For example: $100,000 medical × 4 multiplier = $400,000 pain & suffering. Lupe calculated these for years as a defense attorney – he knows how to justify higher multipliers.

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.

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 footage is deleted within 7-30 days. We send preservation letters immediately. Texas allows UM stacking. We’ve recovered substantial settlements in hit and run cases through UM claims.

What if I’m an undocumented immigrant – can I still file a claim?
YES. Immigration status does NOT affect your right to compensation for injuries. You’re entitled to full recovery regardless of immigration status. Your case is confidential. We’ve successfully represented clients of all immigration statuses. Lupe is fluent in Spanish. Call 1-888-ATTY-911 – we protect your rights and your privacy.

What if the accident happened in a parking lot?
Parking lot accidents are fully compensable. Insurance companies often 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.

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.

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.

Lowry Crossing Motor Vehicle Accident Resources

Local Hospitals and Trauma Centers

While Lowry Crossing doesn’t have a Level I trauma center, nearby facilities include:

Medical City McKinney (Level III Trauma Center)
Baylor Scott & White Medical Center – McKinney
Texas Health Presbyterian Hospital Allen
UT Southwestern Medical Center (Level I in Dallas)

Local Courts

Collin County District Courts
Collin County Court at Law
McKinney Municipal Court

Major Roads and Highways in the Area

US-380 (University Drive)
Dallas North Tollway
SH 5 (East-West Connector)
SH 121 (Sam Rayburn Tollway)
US-75 (Central Expressway)

Local Law Enforcement

Lowry Crossing Police Department
Collin County Sheriff’s Office
Texas Department of Public Safety

Contact Attorney911 Today

If you or a loved one has been injured in a motor vehicle accident in Lowry Crossing, Texas, don’t wait to get the legal help you need. Evidence disappears daily, and the insurance companies are already building their case against you.

Call Attorney911 now at 1-888-ATTY-911 (1-888-288-9911) for your free consultation. We don’t get paid unless we win your case.

Our offices serve all of Texas, with locations in:

Houston (Primary): Serving Harris, Montgomery, Fort Bend, Brazoria, Galveston Counties
Austin: Serving Travis, Williamson, Hays, Bastrop Counties
Beaumont: Serving Jefferson, Orange, Hardin Counties

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

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