Motor Vehicle Accident Lawyers in Blanket, Texas | Attorney911

If You’ve Been Injured in a Car Accident in Blanket, Texas, We’re Here to Fight for You

Every 57 seconds, another motor vehicle crash occurs in Texas. If you or a loved one has been injured in an accident in Blanket, Brown County, or anywhere in Texas, the aftermath can feel overwhelming. Medical bills pile up, insurance companies pressure you to settle quickly, and the physical pain from your injuries makes every day a struggle. At Attorney911, we understand what you’re going through because we’ve helped thousands of Texans just like you recover the compensation they deserve after devastating accidents.

Our founding attorney, Ralph Manginello, has been fighting for accident victims across Texas for more than 25 years. With offices serving Houston, Austin, and Beaumont, we bring our aggressive litigation experience and insider knowledge of insurance company tactics to clients throughout the Lone Star State—including right here in Blanket. When you call our legal emergency hotline at 1-888-ATTY-911, you’re not just calling a law firm; you’re calling your neighbors who are ready to stand up for you.

Why Blanket Accident Victims Choose Attorney911

Blanket, Texas, may be a small town, but the accidents that happen here are just as serious as those in big cities. Whether you were injured on Highway 67, FM 1047, or any of the roads in Brown County, our team knows how to handle your case with the care and expertise it deserves.

Here’s what sets us apart from other law firms:

1. Insurance Defense Insider Advantage: Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for national insurance companies. He knows exactly how they evaluate claims, what tactics they use to minimize payouts, and how to counter their strategies. This insider knowledge is your unfair advantage in negotiations.

2. Multi-Million Dollar Results: We don’t just talk about getting results—we prove it. Our firm has recovered millions of dollars for accident victims, including:

   • A multi-million dollar settlement for a client who suffered a traumatic brain injury with vision loss after a logging accident
   • A case where our client’s leg was injured in a car accident, developed staff infections during treatment, and required partial amputation—this case settled in the millions
   • Millions recovered for families in trucking-related wrongful death cases

3. Federal Court Experience: Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas. This means we can handle even the most complex cases, including those involving federal regulations like FMCSA trucking laws.

4. Personal Attention, Not a Case Number: At Attorney911, you’re not just another file. As client Chad Harris shared: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.” We take the time to listen, answer your questions, and keep you informed every step of the way.

5. No Fee Unless We Win: We work on a contingency fee basis, which means you pay nothing upfront. We only get paid if we recover compensation for you. This allows you to focus on your recovery while we handle the legal battle.

Common Types of Motor Vehicle Accidents in Blanket and Brown County

Blanket’s location in Central Texas means our roads see a mix of local traffic, agricultural vehicles, and through traffic heading to larger cities. Here are some of the most common types of accidents we handle for clients in Blanket and the surrounding areas:

Car Accidents – The Most Common but Often Serious

With 251,977 people injured in Texas motor vehicle crashes in 2024 alone, car accidents are unfortunately all too common. In Blanket, accidents often occur at busy intersections like the junction of Highway 67 and FM 1047, or on rural roads where higher speeds and limited visibility increase the risk.

Common causes of car accidents in Blanket include:

• Distracted driving (texting, phone use, eating)
• Speeding, especially on rural roads
• Failure to yield right of way
• Running stop signs or red lights
• Drunk or drugged driving
• Following too closely

Injuries we commonly see from car accidents:

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

What to do after a car accident in Blanket:

1. Call 911 and report the accident
2. Seek medical attention immediately, even if you feel fine
3. Document everything with photos of the scene, vehicle damage, and injuries
4. Exchange information with the other driver
5. Get witness names and contact information
6. Do not give a recorded statement to any insurance company
7. Call Attorney911 at 1-888-ATTY-911 for a free consultation

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

Trucking Accidents – Catastrophic Injuries, Complex Cases

Blanket sits along Highway 67, a route that sees significant truck traffic. With 39,393 commercial motor vehicle crashes in Texas in 2024—resulting in 608 fatalities and 1,601 serious injuries—trucking accidents are among the most dangerous types of collisions.

Why trucking accidents are so severe:

• A fully loaded 18-wheeler can weigh up to 80,000 pounds—20 times more than the average passenger car
• The size and weight disparity means truck accidents often result in catastrophic injuries or death
• Multiple parties may be liable: the truck driver, trucking company, cargo loader, vehicle manufacturer, and maintenance provider

Common causes of trucking accidents in Brown County:

• Driver fatigue (violating Hours of Service regulations)
• Distracted driving (using phones, eating, adjusting GPS)
• Improper loading or overloaded cargo
• Poor vehicle maintenance
• Speeding or aggressive driving
• Driving under the influence of drugs or alcohol
• Inadequate driver training

Federal regulations we use to prove liability:

• Hours of Service (HOS) rules limit drivers to 11 hours of driving after 10 consecutive hours off duty
• Electronic Logging Devices (ELDs) track driving time and must be preserved
• Commercial drivers must pass drug and alcohol testing
• Vehicles must undergo regular maintenance and inspections

“At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.”

Why you need an experienced trucking accident attorney:

• Trucking companies have teams of lawyers and investigators working to minimize their liability
• Critical evidence like ELD data and maintenance records can be lost or destroyed
• Federal court experience is often necessary for these complex cases
• Our firm is one of the few in Texas to be involved in BP explosion litigation—proving we can take on billion-dollar corporations

Drunk Driving Accidents – Holding Drunk Drivers and Establishments Accountable

In 2024, 1,053 people were killed in alcohol-impaired driving crashes in Texas—that’s 25.37% of all traffic fatalities. Drunk driving accidents are 100% preventable, and when they happen, the consequences are devastating.

Texas dram shop liability (TABC § 2.02):
Texas law allows victims to sue bars, restaurants, and other establishments that serve alcohol to obviously intoxicated patrons who then cause accidents. This means if a drunk driver who injured you was over-served at a local establishment, that business may share liability.

Signs of obvious intoxication that could trigger dram shop liability:

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

Potentially liable parties in drunk driving cases:

• The drunk driver
• Bars and nightclubs
• Restaurants that serve alcohol
• Liquor stores
• Event organizers (concerts, festivals)
• Social hosts (in limited circumstances)

Why drunk driving cases often result in higher settlements:

• Punitive damages may be available for gross negligence
• Multiple defendants can mean multiple insurance policies
• Criminal charges against the driver strengthen the civil case
• Insurance companies have little sympathy for drunk drivers

“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

Motorcycle Accidents – Fighting Bias Against Riders

With 585 motorcyclist fatalities in Texas in 2024, motorcycle accidents are far too common. Riders face unique risks on the road, and insurance companies often unfairly blame them for accidents.

Texas motorcycle accident statistics:

• 37% of motorcycle fatalities were not wearing helmets
• 90% of fatal motorcycle accident victims are male
• Helmets reduce the risk of death by 37%
• Harris County leads Texas in motorcycle fatalities

Texas helmet law:

• Helmets are required for all riders under 21
• Riders 21 and older may ride without a helmet if they have completed a safety course or have $10,000 in medical insurance coverage

Common causes of motorcycle accidents in Brown County:

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

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

• If you are found to be 50% or less at fault, you can recover damages (reduced by your percentage of fault)
• If you are found to be 51% or more at fault, you recover nothing

Insurance companies often try to assign maximum fault to motorcyclists to reduce their payouts. Lupe Peña’s experience as a former insurance defense attorney gives us an advantage in countering these arguments.

Pedestrian Accidents – Protecting the Most Vulnerable Road Users

In 2024, there were 6,095 pedestrian crashes in Texas, resulting in 768 fatalities. Pedestrians account for just 1% of crashes but 19% of all roadway deaths—making them the most vulnerable road users.

Blanket pedestrian accident risks:

• Limited sidewalks on rural roads
• Poor lighting in some areas
• Drivers not yielding at crosswalks
• Distracted driving
• Speeding in residential areas

Critical legal point for pedestrians:
Pedestrians ALWAYS have the right-of-way at intersections—even at unmarked crosswalks. Many drivers don’t realize that the distance between two intersecting streets is legally considered a crosswalk, even if it’s not painted.

“If you’ve been hit by a car while walking in Blanket, you need to know that Texas law protects your right-of-way. Too many drivers don’t understand this, and insurance companies won’t tell you about it.” – Ralph Manginello

Common injuries in pedestrian accidents:

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

Other Types of Accidents We Handle for Blanket Clients

While car, truck, drunk driving, motorcycle, and pedestrian accidents are the most common, we also handle:

Rideshare Accidents (Uber/Lyft):

• Complex insurance coverage depending on driver’s status at time of accident
• $1,000,000 liability coverage when passenger is in the vehicle
• Only $50,000/$100,000/$25,000 coverage when driver is waiting for a ride request
• 58% of rideshare accident victims are third parties (other drivers, pedestrians)

Hit and Run Accidents:

• Every 43 seconds, someone in the U.S. is involved in a hit-and-run
• Your own Uninsured Motorist (UM) coverage can compensate you when the at-fault driver is unidentified
• Surveillance footage is critical but often deleted within 7-30 days
• We send preservation letters immediately to secure evidence

Work Zone Accidents:

• Nearly 28,000 crashes occurred in Texas work zones in 2024, resulting in 215 deaths
• Work zone fatalities increased by 12% over the previous year
• 60% of highway contractors reported crashes into their work zones

Wrongful Death Claims:

• When a loved one is killed due to someone else’s negligence, surviving family members can pursue a wrongful death claim
• Damages may include loss of companionship, lost financial support, funeral expenses, and more
• Separate survival action may be filed for damages the deceased would have recovered if they had survived

What to Do After an Accident in Blanket – The 48-Hour Protocol

The actions you take in the first 48 hours after an accident can make or break your case. Evidence disappears quickly, and insurance companies start building their defense against you immediately.

Hour 1-6: Immediate Crisis Response

✅ Ensure Safety: If you can move safely, get to a secure location away from traffic. Turn on hazard lights and set up flares or warning triangles if available.

✅ Call 911: Report the accident and request medical assistance if anyone is injured. Even if injuries seem minor, it’s critical to get checked out—adrenaline can mask serious injuries.

✅ Document Everything:

• Take photos of ALL vehicle damage (every angle)
• Photograph the accident scene, road conditions, traffic signals, and any visible injuries
• Screenshot any messages visible on your phone (do NOT delete anything)
• Take photos of the other driver’s license plate, insurance card, and driver’s license

✅ Exchange Information:

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

✅ Identify Witnesses:

• Get names and phone numbers of any witnesses
• Ask if they saw what happened
• Record their statements on your phone 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, and social media posts 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, or other personal items
• Keep receipts for any accident-related expenses (towing, rental car, medications)
• Do NOT repair your vehicle yet—preserve the damage for evidence

✅ Medical Records:

• Request copies of all ER and 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 without consulting an attorney
• Do NOT sign anything from any insurance company
• Do NOT accept any settlement offers
• If contacted, say: “I need to speak with my attorney first”

✅ Social Media:

• Make ALL profiles private immediately
• Do NOT post about the accident, your injuries, or your activities
• Do NOT post photos of yourself or check in at locations
• Tell friends and family not to tag you in posts

Hour 24-48: Strategic Decisions

✅ Legal Consultation:

• Speak with an experienced motor vehicle accident attorney
• Call Attorney911 at 1-888-ATTY-911 for a free consultation
• Have your documentation ready to review

✅ Insurance Response:

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

✅ Settlement Offers:

• Do NOT accept or sign anything without your lawyer reviewing it
• Early offers are ALWAYS lowball offers
• You don’t know the full 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 Priorities

✅ Medical Follow-Up:

• Continue documenting all injuries
• See specialists if recommended by your doctor
• Follow ALL of your doctor’s recommendations (insurance companies watch for treatment gaps)
• Get written work restrictions if you need them

✅ Investigation Begins:

• Your attorney obtains the police report
• Preservation letters are sent to all parties involved
• Surveillance footage is secured before it’s deleted
• Witness statements are recorded while memories are fresh

✅ Communication:

• Your attorney handles ALL communication with insurance companies
• You focus on your recovery
• Document any pressure from insurance adjusters or other parties

Texas Motor Vehicle Law – What You Need to Know

Texas law provides important protections for accident victims, but there are also strict deadlines and rules you must follow to preserve your rights.

Statute of Limitations – The 2-Year Deadline

In Texas, you have 2 years from the date of your accident to file a personal injury lawsuit. This deadline is absolute—miss it, and your case is barred forever.

Exceptions that may extend the deadline:

• Discovery Rule: If you couldn’t have reasonably discovered your injury immediately, the clock may start later
• Minors: The statute of limitations is tolled (paused) until the minor turns 18
• Defendant’s Absence: If the at-fault party leaves Texas, the clock may be paused
• Mental Incapacity: If you’re mentally incapacitated, the clock may be paused

“The 2-year statute of limitations is one of the most important deadlines in your case. Insurance companies know that as the deadline approaches, many victims become desperate and willing to accept lowball offers. Don’t let that happen to you—call Attorney911 as soon as possible.” – Ralph Manginello

Comparative Negligence – The 51% Bar Rule

Texas uses a modified comparative negligence system. This means:

• If you are found to be 50% or less at fault, you can recover damages (reduced by your percentage of fault)
• If you are found to be 51% or more at fault, you recover nothing

Examples of how this works:

Your Fault Percentage	Case Value	Your Recovery
0%	$100,000	$100,000
10%	$100,000	$90,000
25%	$250,000	$187,500
40%	$500,000	$300,000
50%	$500,000	$250,000
51%	$500,000	$0

Why this matters:
Insurance companies will try to assign you as much fault as possible to reduce their payout. Even small percentages 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 a former insurance defense attorney gives us an advantage in countering these tactics.

Texas Minimum Auto Insurance Requirements (30/60/25)

Texas requires all drivers to carry minimum liability insurance coverage:

Coverage Type	Minimum Required
Bodily Injury – Per Person	$30,000
Bodily Injury – Per Accident	$60,000
Property Damage – Per Accident	$25,000

The problem with minimum coverage:

• These amounts are often insufficient to cover serious injuries
• 15.4% of Texas drivers are uninsured (about 1 in 7 drivers)
• Your own Uninsured/Underinsured Motorist (UM/UIM) coverage is critical for protection

Uninsured/Underinsured Motorist Coverage in Texas

UM/UIM coverage protects you when:

• The at-fault driver has no insurance
• The at-fault driver’s insurance is insufficient to cover your damages
• You’re the victim of a hit-and-run accident

Texas allows inter-policy stacking:

• You can combine coverage from multiple vehicles on the same policy
• You can combine coverage from multiple policies you hold

“Learn more about how UM/UIM coverage works in our video ‘Uninsured & Underinsured Motorists’ at https://www.youtube.com/watch?v=kWcNFyb-Yq8” – Attorney911

How Insurance Companies Try to Minimize Your Claim – And How We Fight Back

Insurance companies are not on your side. Their goal is to pay you as little as possible, and they have teams of adjusters, lawyers, and algorithms working to achieve that goal. Lupe Peña spent years working for insurance companies—he knows their playbook inside and out.

Tactic #1: The Quick Cash Trap (Weeks 1-3)

What they do:
Within days or weeks of your accident, the insurance company offers you a quick settlement—typically $2,000 to $5,000, sometimes up to $15,000 if they’re worried about your case.

Their tactics to pressure you:

• “This offer expires in 48 hours”
• “I can only get approval for this amount right now”
• “Take it or leave it”
• “This is our final offer” (it’s not)

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

Real-world example:

• Day 3: Insurance offers $3,500 “final settlement”
• You’re desperate, in pain, and scared about bills
• You sign the release, thinking it’s over
• Week 6: MRI reveals a herniated disc requiring surgery ($100,000+)
• TOO LATE – You signed the release, so you can’t reopen your claim
• You’re stuck paying $100,000 out of pocket

How we fight back:

• We NEVER let our clients settle before reaching Maximum Medical Improvement (MMI)
• MMI is the point where your condition has stabilized and you’re as good as you’re going to get
• This could take 6 months, 12 months, or even longer for serious injuries
• We know their offers are always lowball—Lupe calculated these offers for years

Tactic #2: The Recorded Statement Trap (Days 1-3)

What they do:
The other driver’s insurance adjuster contacts you immediately—often while you’re still in the hospital or on pain medication. They act friendly and helpful, saying things like:

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

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

Common questions and traps:

Question They Ask	What They Want You to Say	Why It’s a Trap
“You’re feeling better now though, right?”	“Yes, I’m feeling better”	Makes it seem like your injuries aren’t serious
“It wasn’t that bad of an impact, was it?”	“No, it wasn’t too bad”	Minimizes the severity of the collision
“You were able to walk away from the scene?”	“Yes, I walked away”	Suggests your injuries aren’t severe
“Were you distracted at all?”	“Maybe I was looking at my phone”	Gets you to admit partial fault
“How fast were you going?”	“I don’t know” or “About 40 mph”	If you guess, they’ll use it against you

The truth:

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

How we fight back:

• DO NOT give a recorded statement without us
• Once you hire Attorney911, we become your voice
• All calls from insurance companies go through us
• We prepare you properly if a statement becomes absolutely necessary
• We sit with you during any statements
• We know their questions because Lupe asked them for years

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

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

What they call it:
“Independent Medical Examination” (IME)

What it really is:
A doctor hired by the insurance company to minimize your injuries

How insurance companies 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 thousands by insurance companies ($2,000-$5,000 per exam)
• Repeat business = repeat 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 elicit “I’m feeling better” responses
• Look for ANY reason to minimize your injuries

Common IME doctor findings:

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

How we fight back:

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

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

What they do:
The insurance company drags out your case, hoping you’ll get desperate and accept a lowball offer.

Their tactics:

• “Still investigating your claim”
• “Waiting for medical records” (even though you sent them months ago)
• “Reviewing your file”
• “Need additional information”
• Ignoring your calls and emails
• Taking weeks to respond to simple questions

Why delay works (on people without attorneys):

Insurance Companies Have:

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

You Have:

• Mounting medical bills
• Zero income if you can’t work
• Creditors threatening you
• Need money NOW

Financial desperation makes you accept less:

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

How we fight back:

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

Tactic #5: Surveillance and Social Media Monitoring

What they do:
Insurance companies hire private investigators to follow you and monitor your social media accounts.

Surveillance tactics:

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

Social media monitoring:

• 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
• Create fake profiles to send you friend requests

Examples we’ve defended against:

Example	What Happened	What Insurance Claimed	Reality
Old Gym Photo	Gym photo from 3 years ago	Presented as recent, contradicts injury	We proved metadata showed it 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 where client is smiling	“Not in pain—she’s smiling!”	Everyone smiles for photos

7 Rules for Our Clients:

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

Tactic #6: Comparative Fault Arguments

What they do:
Insurance companies try to assign you maximum fault to reduce their payout.

Their arguments:

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

Why they do this:
Texas’s 51% bar rule means:

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

Even small fault percentages cost thousands:

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

How we fight back:

• Aggressive liability investigation
• Accident reconstruction to prove the other driver’s fault
• Witness statements supporting your version
• Police report analysis emphasizing citations to the other driver
• Expert testimony on perception-reaction time
• Lupe knows their fault arguments because he made them for years—now he defeats them

How Insurance Companies Actually Value Your Claim – Colossus Software

Most accident victims don’t realize that insurance companies use sophisticated software called Colossus to calculate the value of their claims. Lupe Peña used this system for years when he worked for insurance companies—he knows exactly how it works and how to beat it.

How Colossus Works:

1. Data Entry: The insurance adjuster inputs information about your case, including:

   • Injury codes
   • Treatment types
   • Medical costs
   • Lost wages
   • Jurisdiction (where the accident happened)

2. Coding: Your injuries are coded using standardized medical terms. The same injury can be coded in different ways, which dramatically affects the value:

   • “Soft tissue strain” (minor code) vs. “disc herniation” (serious code)
   • The SAME injury with different codes can result in a 50-100% difference in valuation

3. Calculation: The software applies algorithms to determine a “value” for your claim.

4. Range Output: Colossus provides a recommended settlement range to the adjuster.

5. Authority: The adjuster typically cannot exceed this range without supervisor approval.

How Insurance Companies Manipulate Colossus:

Manipulation	Effect on Your Claim
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 treatment from an MD
Using pre-existing conditions	Any prior injury used to reduce value
Applying jurisdiction factors	Low-verdict counties get lower values

Why Lupe’s Experience Matters:

• He knows how to present medical records to show true injury severity
• He knows which medical terms trigger higher valuations in Colossus
• He knows when the Colossus output is artificially low
• He knows how to justify higher multipliers for pain and suffering
• He understands reserve psychology and settlement authority limits

“I calculated these claims for years. I know how the system works, and I know how to beat it. Insurance companies don’t want you to know that someone on the inside is now fighting for victims.” – Lupe Peña

What You Can Recover – Understanding Damages

If you’ve been injured in an accident in Blanket, you may be entitled to compensation for a wide range of damages. Texas law allows accident victims to recover both economic and non-economic damages, and in some cases, punitive damages as well.

Economic Damages (No Cap in Texas)

Economic damages are the quantifiable financial losses you’ve suffered as a result of the accident.

Damage Type	What It Covers	How It’s Calculated
Medical Expenses (Past)	ER visits, hospital stays, surgeries, doctor visits, physical therapy, medications, medical equipment	Actual bills and receipts
Medical Expenses (Future)	Ongoing treatment, future surgeries, lifetime medications, long-term care, home modifications	Expert testimony from life care planners
Lost Wages (Past)	Income lost from the date of the accident to the present	Pay stubs, tax returns, employer verification
Lost Earning Capacity (Future)	Reduced ability to earn income in the future due to permanent injuries	Vocational experts and economists
Property Damage	Vehicle repair or replacement, personal property damaged in the accident	Repair estimates or fair market value
Out-of-Pocket Expenses	Transportation to medical appointments, home modifications, household help, childcare	Receipts and documentation

Non-Economic Damages (No Cap Except Medical Malpractice)

Non-economic damages compensate you for the intangible losses you’ve suffered.

Damage Type	What It Covers	How It’s Calculated
Pain and Suffering	Physical pain from your injuries, both past and future	Multiplier method (medical bills × 1.5-5)
Mental Anguish	Emotional distress, anxiety, depression, fear, PTSD	Subjective but supported by medical records
Physical Impairment	Loss of physical function, disability, limitations on daily activities	Medical testimony about permanent restrictions
Disfigurement	Scarring, permanent visible injuries that affect your appearance	Visual evidence and medical testimony
Loss of Consortium	Impact on your marriage and family relationships, loss of companionship	Testimony from spouse/family members
Loss of Enjoyment of Life	Inability to participate in activities you previously enjoyed	Testimony about pre-accident vs. post-accident lifestyle

Punitive/Exemplary Damages (Capped in Texas)

Punitive damages are available in cases involving gross negligence, fraud, or malice. They are designed to punish the defendant and deter similar conduct.

When punitive damages may be available:

• Drunk driving accidents
• Hit-and-run accidents
• Cases involving extreme recklessness
• Situations where the defendant knew their actions were dangerous but proceeded anyway

Texas punitive damage cap:
The greater of:

• $200,000, OR
• 2× economic damages + 1× non-economic damages (capped at $750,000 for the non-economic portion)

Settlement Ranges by Injury Type

Soft Tissue Injuries (Whiplash, Sprains, Strains):

• Medical Treatment: $6,000-$16,000
• Lost Wages: $2,000-$10,000
• Pain & Suffering: $8,000-$35,000
• Settlement Range: $15,000-$60,000

Broken Bone (Single, Simple Fracture):

• Medical Treatment: $10,000-$20,000
• Lost Wages: $5,000-$15,000
• Pain & Suffering: $20,000-$60,000
• Settlement Range: $35,000-$95,000

Broken Bone (Requiring Surgery):

• Medical Treatment: $47,000-$98,000
• Lost Wages: $10,000-$30,000
• Pain & Suffering: $75,000-$200,000
• Settlement Range: $132,000-$328,000

Herniated Disc (Conservative Treatment):

• Medical Treatment: $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):

• Past Medical: $96,000-$205,000
• Future Medical: $30,000-$100,000
• Lost Wages: $20,000-$50,000
• Lost Earning Capacity: $50,000-$400,000
• Pain & Suffering: $150,000-$450,000
• Settlement Range: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe):

• Past Medical: $198,000-$638,000
• Future Medical: $300,000-$3,000,000+
• 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

“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 can range from $2,500,000 to $13,000,000+
• Settlement Range: $4,770,000-$25,880,000

Amputation:

• Past Medical: $170,000-$480,000
• Future Medical (Lifetime Prosthetics): $500,000-$2,000,000
• Settlement Range: $1,945,000-$8,630,000

“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):

• Funeral and Burial: $10,000-$20,000
• Medical Expenses Before Death: $50,000-$500,000
• Lost Financial Support: $1,000,000-$4,000,000
• Loss of Companionship: $500,000-$3,000,000
• Mental Anguish: $250,000-$1,500,000
• Settlement Range: $1,910,000-$9,520,000

“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.”

The Settlement Multiplier Method

Insurance companies often use a multiplier method to calculate pain and suffering:

Total Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage

Multiplier Range: 1.5 to 5

Injury Severity	Multiplier Range
Minor injuries (soft tissue, quick recovery)	1.5 – 2
Moderate injuries (broken bones, months recovery)	2 – 3
Severe injuries (surgery, long recovery)	3 – 4
Catastrophic injuries (permanent disability)	4 – 5+

Factors that increase the multiplier:

• Permanent injury or disability
• Scarring or disfigurement
• Long recovery time (12+ months)
• Surgery required
• Ongoing pain management needed
• Clear liability (other driver 100% at fault)
• Sympathetic plaintiff (child, elderly, pregnant)
• Defendant’s conduct was egregious (drunk driving, hit and run)
• Strong evidence (video, witnesses)
• Permanent restrictions on work or activities

Factors that decrease the multiplier:

• Soft tissue injury only
• Quick recovery (under 3 months)
• No surgery required
• Disputed liability (comparative fault)
• Gaps in medical treatment
• Pre-existing conditions
• Minor property damage
• No permanent injury

Why Lupe’s experience matters:
Lupe calculated these multipliers for years using insurance company formulas. He knows:

• When to push for a higher multiplier (4-5 vs. 2-3)
• Which factors insurance weighs most heavily
• How to document cases to justify higher multipliers
• When the multiplier method undervalues the case (catastrophic injuries)
• When to abandon the multiplier and demand policy limits

Why Choose Attorney911 for Your Blanket Accident Case

When you’re injured in an accident in Blanket, you have choices for legal representation. Here’s why Attorney911 stands out:

1. We Know the Insurance Playbook Because We Wrote It

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

Lupe Peña spent years working for insurance companies, where he:

• Calculated claim values using Colossus software
• Set reserve amounts for pending claims
• Developed defense strategies and delay tactics
• Selected IME doctors who would minimize injuries
• Deployed surveillance and investigation methods
• Made comparative fault arguments to reduce payouts

Now, he uses that knowledge to fight FOR victims—not against them.

This is Attorney911’s biggest competitive advantage. No other firm in Blanket has a former insurance defense attorney on their team. We know their tactics because we used them.

2. We Have a Proven Track Record of Multi-Million Dollar Results

Our results speak for themselves:

• Multi-million dollar settlement for a client who suffered a brain injury with vision loss
• A car accident case where our client’s leg injury led to a partial amputation—settled in the millions
• Millions recovered for families in trucking-related wrongful death cases
• Significant cash settlement for a client who injured his back while lifting cargo on a ship

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

3. We Have the Experience to Handle Complex Cases

Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas. This federal court experience allows us to handle:

• Complex trucking cases involving FMCSA regulations
• Cases against out-of-state defendants
• Multi-district litigation
• Cases involving federal laws and regulations

Our firm is one of the few in Texas to be involved in BP explosion litigation. This experience proves we can take on billion-dollar corporations and win.

4. We Provide Personal Attention, Not an Assembly Line

At Attorney911, you work directly with Ralph Manginello and Lupe Peña—not just paralegals or case managers.

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

“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

5. We Offer Free Consultations with No Risk

We work on a contingency fee basis, which means:

• Free consultation to evaluate your case
• No upfront costs
• No hourly fees
• We advance all case expenses
• You pay nothing unless we recover compensation for you

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

6. We Serve the Blanket Community

While our offices are based in Houston, Austin, and Beaumont, we serve clients throughout Texas—including right here in Blanket. We understand the unique challenges faced by accident victims in smaller communities, and we’re committed to providing the same high level of service to our Blanket clients as we do to those in major cities.

Common Injuries from Motor Vehicle Accidents – And How We Help

Motor vehicle accidents can cause a wide range of injuries, from minor to life-altering. At Attorney911, we understand the medical and legal complexities of these injuries, and we know how to fight for the compensation you deserve.

Traumatic Brain Injury (TBI)

What it is:
A traumatic brain injury occurs when a sudden trauma causes damage to the brain. TBIs can range from mild (concussion) to severe (coma or permanent disability).

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 (critical to recognize):

• Worsening headaches that don’t respond to medication
• Repeated vomiting
• Seizures developing days later
• Slurred speech or difficulty speaking
• Personality changes and mood swings
• Sleep disturbances (sleeping much more or can’t sleep)
• Sensitivity to light and noise
• Confusion and memory problems worsening

Long-term complications:

• Chronic Traumatic Encephalopathy (CTE) – progressive brain degeneration
• Post-Concussive Syndrome – headaches, dizziness lasting months or years
• Increased dementia risk later in life
• Personality and mood disorders (depression, anxiety, irritability)
• Seizure disorders
• Cognitive impairment (memory, concentration, processing speed)

How we help:

• We work with neurologists and neuropsychologists to document the full extent of your injury
• We hire life care planners to calculate the lifetime cost of care
• We use expert witnesses to explain the long-term impact of TBI
• We fight insurance companies that try to minimize cognitive symptoms

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

Spinal Cord Injuries and Paralysis

What it is:
Damage to the spinal cord that results in loss of function, such as mobility or feeling.

Injury levels and impact:

Injury Level	Characteristics	Prognosis
C1-C4 (High Cervical)	Quadriplegia, possible ventilator dependence, 24/7 care required	Lifetime care costs: $6,000,000-$13,000,000+
C5-C8 (Low Cervical)	Quadriplegia with some arm/hand function, wheelchair dependent	Lifetime care costs: $3,700,000-$6,100,000+
T1-L5 (Thoracic-Lumbar)	Paraplegia (lower body paralysis), bowel/bladder dysfunction, may walk with assistive devices	Lifetime care costs: $2,500,000-$5,250,000+

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)

How we help:

• We work with spinal cord injury specialists to document your prognosis
• We hire life care planners to calculate lifetime care costs
• We fight for compensation that covers home modifications, assistive devices, and 24/7 care
• We take on trucking companies and other defendants with deep pockets

Herniated Discs

What it is:
A herniated disc occurs when the soft center of a spinal disc pushes through a crack in the tougher exterior casing. This can irritate nearby nerves and cause pain, numbness, or weakness.

Treatment timeline:

1. Acute Phase (Weeks 1-6):

   • Severe pain, medications, rest
   • Cost: $2,000-$5,000

2. Conservative Treatment (Weeks 6-12):

   • Physical therapy, chiropractic care
   • Cost: $5,000-$12,000

3. Interventional (If Conservative Fails):

   • Epidural steroid injections (series of 3)
   • Cost: $3,000-$6,000

4. Surgery (If Injections Fail):

   • Microdiscectomy or spinal fusion
   • Cost: $50,000-$120,000

Permanent restrictions impact:

• Many patients cannot return to physical labor jobs
• Lost earning capacity claims are significant
• Ongoing pain management is often required

How we help:

• We document the full treatment timeline to show the severity of your injury
• We fight insurance companies that try to blame your pain on “pre-existing degenerative changes”
• We hire vocational experts to calculate lost earning capacity
• We prepare for trial if insurance won’t offer a fair settlement

Amputations

What it is:
The loss of a limb, either at the accident scene (traumatic amputation) or due to complications (surgical amputation).

Types:

• Above-knee amputation (more difficult, less mobility)
• Below-knee amputation (better mobility potential)
• Upper extremity (arm, hand, fingers)
• Multiple limb amputations

Phantom limb pain:

• 80% of amputees experience phantom pain
• Feeling pain in a limb that’s no longer there
• Can be severe and debilitating
• Often a permanent condition
• Requires lifetime pain management

Prosthetic costs:

• 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

“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.”

How we help:

• We document the lifetime cost of prosthetics and medical care
• We fight for compensation that covers home modifications and assistive devices
• We take on defendants with deep pockets to ensure full compensation

Burns

Classification of burns:

Degree	Characteristics	Treatment
First-Degree	Superficial, like sunburn, heals in 7-10 days	Outpatient care
Second-Degree	Blistering, severe pain, may scar	Monitor, possible hospitalization
Third-Degree	Full thickness, destroys all skin layers, always scars	Skin grafting required
Fourth-Degree	Extends into muscle and bone	Often requires amputation

Body surface area impact:

% Body Burned	Treatment Required
<10%	Usually outpatient care
10-20%	Hospitalization required
20-40%	Burn center, ICU, multiple surgeries
>40%	Extremely life-threatening
>60%	Often fatal

How we help:

• We work with burn specialists to document the extent of your injuries
• We fight for compensation that covers reconstructive surgery and scar revision
• We take on vehicle manufacturers in product liability cases

Soft Tissue Injuries (Whiplash, Sprains, Strains)

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 (rotator cuff tears thought to be sprains)

Proper documentation is critical:

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

How we help:

• We document the full impact of your injury
• We fight insurance companies that try to dismiss “subjective complaints”
• We prepare for trial if they won’t offer a fair settlement

Psychological Injuries

PTSD after motor vehicle accidents:

• 32-45% of accident victims develop PTSD symptoms
• Anxiety about driving again
• Fear of getting in cars (as driver or passenger)
• Panic attacks near accident location or similar roads
• Sleep disturbances, nightmares, flashbacks
• Avoidance behaviors

Compensable psychological damages:

• Mental anguish
• Emotional distress
• Anxiety and depression
• Loss of enjoyment of life
• Fear and worry
• Relationship impacts

How we help:

• We work with psychologists and psychiatrists to document your condition
• We fight for compensation for therapy and medication
• We take on insurance companies that try to dismiss “emotional” injuries

What Our Clients Say About Attorney911

At Attorney911, we’re proud of the relationships we build with our clients. Here’s what some of them have to say about their experience with our firm:

Personal Communication & Care

“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

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

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

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

Results & Speed

“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.” – Donald Wilcox

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

“Mariela and Zulema have done such a fantastic job…gone above and beyond to get my case settled quickly!” – Hannah Garcia

“Highly recommend! They moved fast and handled my case very efficiently.” – Nina Graeter

“She had received an offer but she told me to give her one more week because she knew she could get a better offer.” – Tracey White

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

Switching 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

“Ralph Manginello took his bogus case and had it dismissed within a WEEK! I have been trying for over 2 years.” – Beth Bonds

“They took over my case from another lawyer and got to working on my case.” – CON3531

“They solved in a couple of months what others did nothing about in two years.” – Angel Walle

Spanish Language Services

“The support provided at Manginello Law Firm was excellent…They worked hard to do their best.” – Maria Ramirez

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

“Melani, thank you for your excellent work.” – Miguel J. mayo bermudez

Ralph’s Personal Involvement

“Attorney Manginello is so knowledgeable but straight to the point…responded quickly even while he was away.” – S M

“He listened intently heard my concerns and issues and immediately began working to protect my rights.” – Ken Taylor

“Mr. Manginello guided me through the whole process with great expertise…tenacious, accessible, and determined throughout the 19 months.” – Jamin Marroquin

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

“Ralph has kept me up to date on the case, checked in on me.” – Manraj

Overall Excellence

“Best lawyers in the city…fast return..and they really care about their clients.” – Dean Jones

“Very professional and got good results.” – Monty Cazier

“Mr. Manginello got us a nice result in my wife’s injury.” – Bill Spragg

“Mr. Maginello and his firm are first class. Will fight tooth and nail for you.” – Ernest Cano

“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

“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

Celebrity Endorsements

“One of Houston’s Great Men Trae Tha Truth has recommended this law firm. So if he is vouching for them then I know they do good work.” – Jacqueline Johnson

Frequently Asked Questions About Motor Vehicle Accidents in Blanket

Immediate After Accident

1. What should I do immediately after a car accident in Blanket, Texas?
If you’ve been in an accident in Blanket or anywhere in Brown County:

• Call 911 and report the accident
• Seek medical attention immediately, even if you feel fine
• Document everything with photos of the scene, vehicle damage, and any visible injuries
• Exchange information with the other driver
• Get witness names and contact information
• Do NOT give a recorded statement to any insurance company
• Call Attorney911 at 1-888-ATTY-911 for a free consultation

2. Should I call the police even for a minor accident?
Yes. Always call the police after an accident in Texas. The police report is critical evidence, and Texas law requires you to report accidents involving 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, including:

• Traumatic brain injuries (can take days to manifest)
• Internal bleeding (may not be obvious)
• Herniated discs (may not cause pain for weeks)
• Adrenaline can mask pain at the scene
  Insurance companies use delays in treatment against you, so get checked immediately.

4. What information should I collect at the scene?

• Other driver: name, phone, address, driver’s license number, insurance information
• Vehicle: make, model, color, license plate number
• 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 or apologize
• Do NOT say “I’m sorry” (can be used as an admission of fault)
• Do NOT give your opinion on what happened
• Stick to facts only

6. How do I obtain a copy of the accident report in Blanket?
You can obtain the police report from the responding law enforcement agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

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

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

9. Do I have to accept the insurance company’s estimate for my vehicle?
No. Their estimate is just an offer—it’s usually far below the actual value. Attorney911 can help you negotiate a fair settlement for your vehicle.

10. Should I accept a quick settlement offer from insurance?
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 or underinsured?
Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you. Watch our video on UM/UIM claims: 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 a medical authorization without having an attorney review it first.

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 coverage available
  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, and insurance companies start building their defense against you from day one. Call Attorney911 at 1-888-ATTY-911 as soon as possible.

15. How much time do I have to file a lawsuit (statute of limitations)?
In Texas, you have 2 years from the date of the accident to file a personal injury lawsuit. For wrongful death claims, it’s 2 years from the date of death. Miss this deadline, and your case is barred forever.

16. What is comparative negligence and how does it affect me?
Texas uses a modified comparative negligence system with a 51% bar rule:

• 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
  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 for the accident?
You can still recover compensation if you were 50% or less at fault. Your recovery will be 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. This gives us leverage in negotiations.
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?
It depends on the severity of your injuries. We don’t settle your case until you’ve reached Maximum Medical Improvement (MMI)—the point where your condition has stabilized. This could take 6 months, 12 months, or even longer for serious injuries.

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

1. Investigation and evidence gathering
2. Medical treatment to MMI
3. Demand letter to insurance
4. Negotiation
5. Lawsuit if necessary
6. Discovery (exchange of information)
7. Mediation
8. Trial if needed
   Watch our video: “What Is the Process for a Personal Injury Claim?” at https://www.youtube.com/watch?v=XwzYymneDVs

Compensation

21. What is my case worth?
The value of your case depends on:

• Severity of your injuries
• Cost of your medical treatment (past and future)
• Lost wages and lost earning capacity
• Pain and suffering
• Permanent impairment or disability
• Insurance coverage available
  Cases range from $15,000 for minor soft tissue injuries to millions for catastrophic injuries.

22. What types of damages can I recover?

• Medical expenses (past and future)
• Lost wages and lost earning capacity
• Pain and suffering
• Mental anguish
• Physical impairment
• Disfigurement (scarring)
• Loss of consortium (impact on marriage)
• 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 damages (except in medical malpractice cases).

24. What if I have a pre-existing condition?
You can still recover compensation if the accident aggravated or worsened your pre-existing condition. This is called the “eggshell plaintiff” rule—defendants take victims as they find them.

25. Will I have to pay taxes on my settlement?
Generally, compensation for physical injuries is not taxable. Punitive damages are taxable. Consult with a tax professional for advice specific to your situation.

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

• Your medical bills (past and future)
• Lost income (past and future)
• Permanent impairment rating
• Severity of your injuries
• Impact on your daily life
• Comparative fault (if any)
• Insurance policy limits
• Jury verdicts in similar cases

Attorney Relationship

27. How much do car accident lawyers cost?
Attorney911 works on a contingency fee basis. Our fee is a percentage of your recovery (typically 33.33% before trial, 40% if we go to trial). You pay nothing upfront, and we only get paid if we win your case.
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?
It means you pay nothing unless we recover compensation for you. If we don’t win, you owe us nothing. We advance all case costs, and you only reimburse us if we win.

29. How often will I get updates on my case?
Attorney911 provides regular updates on your case. 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 or case managers. 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 attorneys at any time. 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.”

Special Situations

32. What common mistakes can hurt my case?

• Giving a recorded statement without an attorney
• Accepting a quick settlement offer
• Delaying medical treatment
• Gaps in treatment
• Posting about your accident on social media
• Signing releases or authorizations without a lawyer
• 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. Insurance companies monitor your social media accounts. Make all profiles private, don’t post about the accident or your injuries, and tell friends not to tag you in posts.

34. Why shouldn’t I sign anything without a lawyer?
Releases are permanent and final. Medical authorizations give insurance companies unlimited access to your medical history. Settlement offers are binding. Once you sign, you can’t undo it.

35. What if I didn’t see a doctor right away?
See a doctor now and explain that you didn’t realize the severity of your injuries. Delayed symptoms are common, and we can still help. The key is to start documenting your injuries as soon as possible.

36. What if I have a pre-existing condition?
You can still recover compensation. If the accident aggravated your pre-existing condition, you’re entitled to compensation for the aggravation. The “eggshell plaintiff” rule means the defendant takes you as they find you. For example, if you had mild occasional back pain before the accident and now have a herniated disc requiring surgery, you can recover for the new injury.

37. Can I switch attorneys if I’m unhappy with my current lawyer?
Yes, you can fire your attorney at any time. If your current attorney isn’t communicating with you, isn’t fighting for you, or is pushing you to settle for less than your case is worth, you have the right to switch. Attorney911 has taken over many cases from other attorneys and gotten better results for our clients.

38. What if the insurance company is my own insurance (UM/UIM claim)?
Uninsured/Underinsured Motorist (UM/UIM) claims are made against your own insurance when the at-fault driver has no insurance or insufficient insurance. Your insurance company will fight your claim just like the other driver’s insurance would. You need an attorney to maximize your recovery.

39. How do you calculate pain and suffering?
Most commonly using the multiplier method: Medical expenses × multiplier (1.5 to 5) = pain and suffering. The multiplier depends on the severity of your injuries, the permanency of your condition, the impact on your life, and the clarity of liability. Lupe Peña calculated these values for years when he worked for insurance companies—he knows how to justify higher multipliers.

40. What if I was hit by a government vehicle (city bus, police car, etc.)?
Government claims have special rules. You must file a notice of claim within 6 months (much shorter than the 2-year statute of limitations). Government entities are protected by sovereign immunity, and damage caps may apply. These cases are complex, and you need an experienced attorney. Ralph Manginello has handled government claims throughout his 25+ year career.

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 when the at-fault driver is unidentified. Surveillance footage is critical, but most footage is deleted within 7-30 days. We send preservation letters immediately to secure evidence. Texas allows UM stacking, which can significantly increase your available coverage.

42. What if I’m an undocumented immigrant—can I still file a claim?
Yes. Your immigration status does not affect your right to compensation for your injuries. You’re entitled to full recovery regardless of your immigration status. Your case is confidential, and we’ve successfully represented clients of all immigration statuses. Lupe Peña is fluent in Spanish, and our team includes bilingual staff to ensure language is never a barrier.

43. What if the accident happened in a parking lot?
Parking lot accidents are fully compensable. Insurance companies often try to argue that parking lot accidents are always 50/50 fault, but this is not true. We prove fault through surveillance video, witness statements, damage analysis, and traffic patterns. Texas comparative negligence rules apply in parking lot accidents just like any other accident.

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, etc.). You’re an innocent victim, and the driver’s insurance covers passengers. There are no comparative fault issues because 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 their insurance company. The insurance policy still applies, and 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.

Blanket, Texas – Our Community, Your Neighbors

While Attorney911 is based in Houston, Austin, and Beaumont, we’re proud to serve clients throughout Texas—including right here in Blanket. We understand that accident victims in smaller communities like Blanket face unique challenges, and we’re committed to providing the same high level of service to our Blanket clients as we do to those in major cities.

Blanket’s Roads and Highways

Blanket is served by several important roads that see significant traffic:

• Highway 67: A major route through Blanket that connects to Brownwood and beyond
• FM 1047: A key local road that intersects with Highway 67
• FM 2524: Another important local route
• County Roads: Many rural roads in Brown County see a mix of local traffic, agricultural vehicles, and through traffic

These roads can be dangerous due to:

• Higher speeds on rural roads
• Limited visibility, especially at night
• Mix of vehicle types (cars, trucks, agricultural equipment)
• Limited law enforcement presence
• Weather conditions (fog, rain, ice)

Common Accident Locations in and Around Blanket

Some areas in and around Blanket that see frequent accidents include:

• The intersection of Highway 67 and FM 1047
• Rural roads where visibility is limited
• Areas with heavy agricultural traffic
• Roads with poor lighting or signage
• Construction zones on Highway 67

Local Resources for Accident Victims

If you’re injured in an accident in Blanket, here are some local resources that may be helpful:

• Medical Care:

  • Blanket Medical Clinic (for initial treatment)
  • Brownwood Regional Medical Center (Level III Trauma Center, about 20 miles away)
  • Hendrick Medical Center (Level III Trauma Center in Abilene, about 60 miles away)

• Law Enforcement:

  • Blanket Police Department
  • Brown County Sheriff’s Office
  • Texas Department of Public Safety (DPS)

• Legal Resources:

  • Brown County Courthouse (for filing lawsuits)
  • Texas State Bar Lawyer Referral Service

Why Local Knowledge Matters

When you hire Attorney911 for your Blanket accident case, you’re getting a firm that:

• Understands the unique traffic patterns and accident risks in Brown County
• Knows the local courts and judges
• Is familiar with the insurance adjusters who handle claims in this area
• Can connect you with local medical providers when needed
• Is committed to serving smaller communities with the same dedication we bring to major cities

Call Attorney911 Now – Your Legal Emergency Line

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

Here’s what happens when you call 1-888-ATTY-911:

1. Immediate Response: You’ll speak with a member of our team right away. We’re available 24/7 to answer your questions and provide guidance.
2. Free Consultation: We’ll evaluate your case at no cost to you. You’ll get honest advice about your legal options.
3. No Upfront Costs: We work on a contingency fee basis—you pay nothing unless we recover compensation for you.
4. Immediate Action: We’ll start protecting your rights right away, including sending preservation letters to secure critical evidence.
5. Personal Attention: You’ll work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers.

Don’t let insurance companies take advantage of you:

• They’ll pressure you to give a recorded statement that can hurt your case
• They’ll offer you a quick settlement that’s far less than you deserve
• They’ll use surveillance and social media to undermine your claim
• They’ll delay your case hoping you’ll get desperate and accept less

With Attorney911 on your side:

✅ We know their tactics because Lupe used them for years
✅ We fight for maximum compensation, not quick settlements
✅ We handle all communication with insurance companies
✅ We prepare every case as if it’s going to trial
✅ We don’t get paid unless we win your case

Call now: 1-888-ATTY-911

Or visit our website to schedule a free consultation: https://attorney911.com/contact/

“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

Remember:

• Evidence disappears daily—surveillance footage is deleted in 7-30 days
• The 2-year statute of limitations is real—miss it and your case is barred forever
• Insurance companies are not on your side—they’re building a case against you
• You don’t have to face this alone—Attorney911 is here to fight for you

Call 1-888-ATTY-911 now. Your recovery starts with one call.