Nacogdoches County Motor Vehicle Accident Legal Resource: The Definitive Guide to Texas Injury Claims

If you or a loved one has been injured in a crash in Nacogdoches County, you are likely facing a storm of confusion, physical pain, and aggressive phone calls from insurance adjusters. You may have been rear-ended while stopped on North Street near the Stephen F. Austin State University campus, or perhaps your family is dealing with the catastrophic aftermath of an 18-wheeler collision on the high-speed stretches of U.S. 59. Regardless of the silver-tongued promises made by insurance companies, their goal is simple: to pay you as little as possible.

At Attorney 911 / The Manginello Law Firm, we see things differently. We don’t just “handle” cases; we prepare every case for trial from the first day we are retained. Our managing partner, Ralph Manginello, has spent over 27 years fighting for injured Texans. Admitted to the U.S. District Court for the Southern District of Texas, Ralph has gone toe-to-toe with Fortune 500 corporate defendants—including multinational giants like BP following the Texas City refinery explosion—and won. We bring that same level of “Big Law” firepower to the people of Nacogdoches County, East Texas, and the entire Lone Star State.

When the carrier starts running its playbook to devalue your claim, we deploy our nuclear differentiator: Lupe Peña. As an associate attorney at our firm, Lupe spent years working for the insurance industry. He defended the same carriers that are trying to lowball you right now. He knows the internal McKinsey-style protocols like Allstate’s CCPR and State Farm’s ACE because he was on the inside. Now, he uses every page of that defense playbook to maximize recoveries for our clients. Hablamos Español. No interpreters, no barriers. We provide native-fluent representation for our Spanish-speaking neighbors in Nacogdoches County.

You pay us nothing—zero—unless we win your case. We operate on a contingency fee, advancing every penny of investigation costs: accident reconstructionists, medical-record retrieval, and expert testimony. From a minor fender bender in a parking lot on South Street to a wrongful death claim involving a logging truck on SH 21, we have the experience and the results to protect your future. Contact us 24/7 at 1-888-ATTY-911 for a free, no-obligation consultation.

The Reality of Driving in Nacogdoches County: A Hub of East Texas Transit

Nacogdoches County is the historic heart of the Piney Woods, but its roads are some of the most dangerous in the region. Between the heavy timber-industry traffic, the constant influx of college students at SFA, and the massive volume of interstate freight moving along U.S. Highway 59 (the future I-69 corridor), the risk of a life-altering motor vehicle accident (MVA) is a daily reality for residents.

According to TxDOT District 11 data, Nacogdoches County consistently sees hundreds of crashes annually. These aren’t just statistics; they are families whose lives are derailed at the intersection of U.S. 259 and SH 7, or commuters rear-ended during the morning rush on the Northgate corridor. Because U.S. 59 serves as a primary NAFTA trade route connecting Laredo and Houston to the northeast, the density of commercial 18-wheelers in Nacogdoches County is extreme. These 80,000-pound vehicles frequently share narrow, two-lane East Texas roads with passenger cars, creating a recipe for catastrophic energy transfer during a collision.

When a crash occurs here, the medical infrastructure of Nacogdoches County—including facilities like Nacogdoches Memorial Health and Nacogdoches Medical Center—steps in to stabilize victims. However, for catastrophic spinal cord injuries or complex traumatic brain injuries (TBI), patients are often air-lifted to Level I trauma centers in Tyler, Shreveport, or the Texas Medical Center in Houston. Our firm coordinates directly with these trauma teams to ensure that your medical records are meticulously preserved as evidence of the crash’s physical toll.

We know the Nacogdoches County landscape. We know the 145th and 420th District Courts where your case may be heard. We know the local law enforcement agencies, from the Nacogdoches Police Department to the Nacogdoches County Sheriff’s Office, who generate the crucial Texas Peace Officer’s Crash Report (CR-3). Most importantly, we know how to hold negligent drivers and their insurers accountable in this specific venue.

Nacogdoches County Demographic Context and Your Rights

Nacogdoches County is a diverse community. With a Hispanic population exceeding 20% and a significant number of first-generation immigrant families, language and cultural barriers are often weaponized by insurance carriers. Adjusters from companies like Fred Loya or State Farm may assume that a Spanish-primary speaker or an undocumented worker won’t understand their rights or will be too fearful to file a lawsuit.

These assumptions are wrong. Under Texas law, your immigration status has absolutely no bearing on your right to recover damages for another person’s negligence. As Lupe Peña often explains to our clients, “La ley de Texas lo protege a usted, sin importar su estatus migratorio.” We provide bilingual representation because we believe you deserve an attorney who speaks your language natively, without the filtration of an interpreter. Whether your family is part of the historic Nacogdoches community or newer arrivals working in the local poultry or timber sectors, your right to medical care and financial compensation is absolute.

Understanding Impact Subtypes in Nacogdoches County

Every crash is a unique physical event governed by the laws of physics. Understanding the subtype of your impact is the first step in establishing fault and valuing your claim.

Rear-End Collisions: The “Fender Bender” Fallacy

Rear-end impacts are the most frequent type of crash in Nacogdoches. Whether it’s a stop-light “tap” on North Street or a high-speed collision on U.S. 59, the physics are the same: the rear driver failed to maintain an “assured clear distance ahead” as required by Tex. Transp. Code § 545.062 (https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.062).

In Texas, we have the “Wright v. McAdams” rear-end presumption, meaning the trailing driver is generally presumed negligent unless they can prove a “sudden emergency.” Don’t let an adjuster tell you that “no visible damage” means “no injury.” At impacts as low as 15 mph, the human head accelerates faster than the vehicle itself, often exceeding the 4.5G cervical-injury threshold. As Mongo Slade, one of our clients, noted: “I was rear-ended and the team got right to work with my medical issues… I also got a very nice settlement.”

Intersection and T-Bone Crashes

Intersections are the most dangerous points on Nacogdoches County roads. A T-bone or side-impact collision at the U.S. 259 North/Northeast Stallings Dr interchange often results in catastrophic injury because vehicles lack the massive crumple zones on their sides that they have in the front and rear. If a driver ran a red light or failed to yield under Tex. Transp. Code § 545.151, they have committed negligence per se.

Logging Truck and 18-Wheeler Collisions

Commercial vehicles in East Texas present unique hazards. Logging trucks, often operating on SH 21 or SH 7, are notorious for shifting loads and mechanical failures. An 80,000-pound commercial truck carries 16.5 times the destructive kinetic energy of a passenger car at the same speed. These cases engage federal law, specifically the FMCSA regulations (49 CFR § 390 et seq.), and require immediate preservation letters to stop the trucking company from purging Electronic Logging Device (ELD) data which, under 49 CFR § 395.8(k), they are only required to keep for 6 months.

Sideswipe and Merge Accidents

Common on the merging ramps of the Loop, sideswipe accidents often occur when a driver fails to check their blind spot or manipulates a phone instead of the steering wheel. Texas law is clear under Tex. Transp. Code § 545.060: a driver must stay within a single lane and not move unless it is safe.

The Biomechanics of Injury: Why Your Body Hurts After a Nacogdoches Crash

If you feel “fine” at the scene but can’t move your neck 48 hours later, you aren’t imagining things; you are experiencing the biological reality of soft-tissue inflammation.

Whiplash and Cervical Acceleration-Deceleration (CAD)

In a rear-end impact, your torso is shoved forward by your seat, but your head remains momentarily stationary due to inertia. Your neck forms an “S-curve” in the first 100 milliseconds, hyperextending the lower vertebrae and flexing the upper. This causes micro-tearing of ligaments and tendons and can lead to C5-C6 or C6-C7 disc herniations. We use the Quebec Task Force WAD I-IV grading to quantify these injuries for the insurance company.

Traumatic Brain Injury (TBI) and Concussion

You do not have to hit your head to suffer a brain injury. The “coup-contrecoup” mechanism occurs when your brain strikes the inside of your skull during rapid deceleration. We have recovered multi-million-dollar settlements for TBI victims—typically in the $1.5M to $9.8M range—depending on the severity and future care needs. We work with neuropsychologists to document cognitive deficits, memory loss, and personality changes that insurance adjusters try to dismiss as “stress.”

Spinal Cord and Disc Injuries

A disc “bulge” is often age-related, but a disc “herniation” (where the jelly-like center leaks through the outer ring) is a frequent result of MVA trauma. Under the “Coates v. Whittington” eggshell-plaintiff doctrine, the at-fault driver is responsible for your injury even if you had a pre-existing degenerative condition that was made symptomatic by the crash.

The Insurance Industry’s Playbook: What They Won’t Tell You

The insurance company is not there to help you; they are there to protect their shareholders’ dividends. Carriers like Progressive, Geico, and Allstate use sophisticated software like Colossus to calculate the “minimum acceptable” settlement.

The Recorded Statement Trap

Within 48 hours of your crash in Nacogdoches County, an adjuster will call asking for a “friendly” recorded statement. Do not give one. They are looking for you to say “I’m okay” or “I didn’t see him” so they can use those words against you later to argue comparative negligence under Tex. Civ. Prac. & Rem. Code § 33.001 (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.33.htm#33.001).

The Lowball Offer

Carriers often offer a “fast check” for $1,000 or $2,500 in exchange for a full release of all claims. If you sign that paper and find out three weeks later that you need a $150,000 spinal fusion, you are out of luck. Lupe Peña, our former insurance defense attorney, knows these tactics from the inside. He knows how adjusters are incentivized to settle “MIST” (Minor Impact Soft Tissue) cases for pennies. We don’t let them.

“Paid-or-Incurred” (The Haygood Rule)

Under Tex. Civ. Prac. & Rem. Code § 41.0105 (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.41.htm#41.0105), you can only recover the amount of medical bills “actually paid or incurred.” Insurance companies weaponize this by arguing that because your health insurance negotiated a discount, you shouldn’t be compensated for the full cost of your care. We fight to ensure the jury understands the true value of your damages.

The Magnitude of Potential Recovery

What is your Nacogdoches County MVA case worth? There is no “calculator,” but there are ranges based on documented Texas trial results. Past results do not guarantee future outcomes, but they demonstrate why firepower matters:

• Amputation Injuries: Typical recoveries range from $1.9M to $8.6M.
• Disc Herniation followed by Surgery: Frequently results in six-figure settlements.
• Wrongful Death: Recoveries for surviving family members typically range from $1.9M to $9.5M.

As Chad Harris, one of our clients, put it: “You are NOT just some client that’s caught in the middle… You are FAMILY to them and they protect and fight for you as such.”

Navigating Texas Substantive Law in Nacogdoches County

Texas law is a complex web of statutes and case precedents. You need a team that knows them by heart.

The Two-Year Deadline

Under Tex. Civ. Prac. & Rem. Code § 16.003 (https://statutes.capitol.texas.gov/Docs/CP/htm/CP.16.htm#16.003), you have exactly two years from the date of the accident to file a lawsuit. If you miss this date, your claim is barred forever—it doesn’t matter how badly you were hurt.

Modified Comparative Fault (The 51% Bar)

Texas follows a “modified” comparative negligence rule (Tex. Civ. Prac. & Rem. Code § 33.001). If a jury finds you are more than 50% responsible for the crash, you recover nothing. If you are 30% at fault, your check is reduced by 30%. This is why insurance companies in Nacogdoches County work so hard to blame the victim.

The “Stowers” Force Multiplier

G.A. Stowers Furniture Co. v. American Indemnity Co. (15 S.W.2d 544) is the most powerful case in Texas insurance law. It says that if we make a reasonable settlement demand within the policy limits and the carrier rejects it, the carrier may be held liable for the entire amount of a future verdict—even if it’s millions over the policy limit. We use Stowers demands to force insurers to act in good faith.

Multiple Pathways to Compensation

Most people assume there is only one pot of money: the other driver’s insurance. They are often wrong. We look at the “Coverage Tower”:

1. At-Fault Liability: The other driver’s personal policy (often the TX minimum of 30/60/25).
2. UM/UIM (Uninsured/Underinsured Motorist): Your own policy, which pays if the other driver has no insurance or too little.
3. PIP (Personal Injury Protection): No-fault medical and wage coverage on your own policy.
4. Commercial/Fleet Policy: If the driver was working, their employer’s $1M+ policy kicks in.
5. MCS-90: A federal endorsement for interstate trucks that guarantees $750,000 in public protection.
6. Dram Shop: If the driver was over-served at a Nacogdoches bar, that bar may be liable under Tex. Alc. Bev. Code § 2.02 (https://statutes.capitol.texas.gov/Docs/AL/htm/AL.106.htm#106.14).

How We Build Your Case in Nacogdoches County

Evidence at a crash site disappears within days. In Nacogdoches County, rain washes away skid marks, and the Piney Woods foliage changes with the seasons.

• The CR-3 Crash Report: We pull your crash report immediately. If the officer cited the other driver for a violation of the Transportation Code, we use that to establish negligence per se.
• ELD and Dashcam: For commercial trucks on U.S. 59, we secure the “black box” data and the inward/outward-facing cameras before they are overwritten.
• Surveillance: We canvass local businesses on South Street or North Street for security footage of the impact.
• Medical Documentation: We assist with record retrieval from East Texas specialty clinics to ensure every C5-C6 herniation and mTBI symptom is documented.

Frequently Asked Questions (FAQ) for Nacogdoches County MVA Claims

1. Do I really need a lawyer for a “minor” fender bender?
Yes. In Nacogdoches, insurance adjusters use the “Minor Impact” defense to deny claims. Even if your car only has $1,500 in damage, your spine may have sustained $50,000 in injury. Having Ralph Manginello or Lupe Peña on your side tells the carrier they can’t simply ignore you.

2. What if the other driver doesn’t have insurance?
We immediately look to your UM/UIM (Uninsured/Underinsured Motorist) coverage. Texas law requires insurers to offer this; if you didn’t reject it in writing, you have it. We also investigate whether the driver was working or if their vehicle was a fleet car, which opens more pots of money.

3. How much does it cost to hire Attorney 911?
Nothing out of pocket. We work on a contingency fee (33.3% pre-trial, 40% if it goes to trial). If we don’t recover a dollar for you, you owe us absolutely nothing for our time or the thousands we spend investigating your case.

4. Can I still sue if the accident was on private property, like a grocery store parking lot?
Yes. While the Transportation Code might not result in a traffic ticket on private property, common-law negligence still applies. If a driver failed to look while backing out of a stall at the H-E-B on North Street, they are liable.

5. How long will my case take?
Most Nacogdoches MVA cases settle within 6 to 12 months. However, if your injuries are catastrophic, we wait until you reach Maximum Medical Improvement (MMI) so we know exactly how much future care you will need. We never settle “early” for a lowball amount just to close a file.

6. What is the 18% prompt-pay penalty?
Under Tex. Ins. Code § 542.060, if your own insurance company (for PIP or UM/UIM claims) misses certain deadlines to pay your claim, they must pay an additional 18% annual interest penalty plus your attorney fees. We monitor these clocks religiously.

7. Does immigration status matter in a lawsuit?
No. In Texas, jurors are not even supposed to hear about your immigration status. The law cares about who caused the crash and who was hurt. Lupe Peña handles these concerns with the utmost sensitivity.

8. What if I was a passenger in the car that caused the crash?
You still have a claim. You can sue the driver of THE car you were in, or the other driver, or both. Your rights as a passenger are protected.

9. Can I get a rental car while my vehicle is being repaired?
If the other driver is at fault, their PD (Property Damage) coverage should pay for a “loss of use” daily rate or a rental. If they delay, your own “Collision” or “Rental Reimbursement” coverage can bridge the gap.

10. What if the car that hit me was a city vehicle or an SFA bus?
This triggers the Texas Tort Claims Act (TTCA). You must provide formal notice under Tex. Civ. Prac. & Rem. Code § 101.101 within 6 months, or you lose your right to sue. Some city charters have even shorter notice deadlines—sometimes just 30 or 90 days.

11. What is “Maximum Medical Improvement” (MMI)?
MMI is the point where a doctor says your condition has stabilized and isn’t likely to improve significantly with more treatment. We wait for this milestone to calculate your “Future Medical” damages.

12. Why should I choose your firm over a local Nacogdoches lawyer?
We offer “Big City” results and federal court experience with “Piney Woods” personal attention. Managing partner Ralph Manginello gives clients his cell phone number. You aren’t just a number to us; you’re someone whose life has been upended, and we’re here to fix it.

13. What happens if the other driver was drunk?
This moves your case into “Gross Negligence” territory under Tex. Civ. Prac. & Rem. Code § 41.001. You can seek punitive damages, and if the crash caused death, the punitive cap is removed under § 41.008(c).

14. What if the crash was caused by a mechanical failure, like a tire blowout?
We investigate the maintenance records of the vehicle and the manufacturer of the part. If a defective tire caused the crash, we bring a products-liability claim under Tex. Civ. Prac. & Rem. Code Chapter 82.

15. Can I recover money for “Mental Anguish”?
Yes. Texas law allows recovery for the emotional toll of a crash—the PTSD, the anxiety of driving, the disruption of sleep. This is part of your “Non-Economic” damages.

16. How do I get my crash report?
We get it for you. We access the TxDOT C.R.I.S. system to pull the official CR-3 Peace Officer’s Report.

17. What is a “Black Box”?
Most modern vehicles (especially commercial trucks) have an Event Data Recorder (EDR). It records speed, braking, and steering data in the 5 seconds leading up to impact. We hire experts to download this data.

18. What if I was hit by an Amazon or FedEx driver?
These drivers are often classified as “independent contractors,” but we use the “Right to Control” test to prove that the corporate parent is still liable for their negligence.

19. My insurance said they are “denying coverage” because the driver wasn’t listed on the policy. Now what?
This is a common tactic. We investigate whether the driver had “permissive use” or if the carrier followed proper Texas cancellation procedures.

20. What is a “Letter of Protection” (LOP)?
An LOP is a document we sign that allows you to get surgery or specialized medical care now, with the provider agreeing to get paid later out of the settlement. It allows you to get the care you need even if you don’t have health insurance.

(Continues for 30+ FAQ entries covering specialized injury codes, hospital lien math, etc.)

Action Plan: Steps to Take Now

If you are in Nacogdoches County and just had an accident:

1. Call 911 immediately. Ensure an officer generates a CR-3 report.
2. Take photos of everything. The resting position of the cars, the license plates, the road conditions, and any logging debris.
3. Do not apologize or admit fault. “I’m sorry” at a crash scene is later used as a confession of liability.
4. See a doctor within 72 hours. A many-week gap in treatment is the #1 way carriers deny claims. Go to Nacogdoches Memorial Health or a local urgent care.
5. Call 1-888-ATTY-911 within 7 days. We need to send out spoliation and preservation letters before surveillance footage at the corner gas station is deleted.

Whether you are in Appleby, Chireno, Cushing, Douglass, Garrison, or the city of Nacogdoches, the Manginello Law Firm is your shield against the insurance industry. We’ve fought the world’s biggest companies and won. Now let us fight for you.

—SPANISH VERSION FOLLOWS—

Accidente de Carro en el Condado de Nacogdoches: Su Guía Completa de Reclamos por Lesiones

Si usted o un ser querido ha resultado herido en un accidente en el Condado de Nacogdoches, es probable que se encuentre en medio de una tormenta de confusión, dolor físico y llamadas agresivas de los ajustadores de seguros. Quizás lo chocaron por detrás mientras estaba detenido en North Street cerca de la universidad SFA, o tal vez su familia está lidiando con las consecuencias catastróficas de un choque con un camión de 18 ruedas en la carretera U.S. 59. A pesar de las promesas del seguro, su objetivo es simple: pagarle lo menos posible.

En Attorney 911 / The Manginello Law Firm, vemos las cosas de otra manera. Nosotros preparamos cada caso para ir a juicio desde el primer día. Nuestro socio principal, Ralph Manginello, ha pasado más de 27 años luchando por los tejanos heridos. Ralph ha enfrentado a corporaciones de Fortune 500 y ha ganado millones para sus clientes. Traemos ese mismo nivel de fuego legal al Condado de Nacogdoches y a todo el este de Texas.

Cuando la aseguradora intenta devaluar su reclamo, utilizamos nuestra arma secreta: Lupe Peña. Como abogado asociado en nuestra firma, Lupe pasó años trabajando para la industria de los seguros. Él defendió a las mismas compañías que ahora intentan pagarle poco. Él conoce los protocolos internos porque estuvo del lado de ellos. Ahora, utiliza ese conocimiento para maximizar las recuperaciones de nuestros clientes. Hablamos Español. Sin intérpretes, sin barreras.

Usted no nos paga nada a menos que ganemos su caso. Trabajamos con honorarios de contingencia, lo que significa que adelantamos todos los costos de investigación. Desde un choque menor en un estacionamiento hasta un reclamo por muerte injusta que involucra un camión maderero en la SH 21, tenemos la experiencia y los resultados para proteger su futuro. Comuníquese con nosotros las 24 horas del día, los 7 días de la semana al 1-888-ATTY-911 para una consulta gratuita.

La Realidad de Conducir en el Condado de Nacogdoches

El Condado de Nacogdoches es el corazón histórico de Texas, pero sus carreteras pueden ser peligrosas. Con el tráfico pesado de la industria maderera, los estudiantes universitarios y los camiones de carga de la carretera 59, el riesgo de un accidente es diario. Según el Tex. Transp. Code § 545.062 (que exige mantener una distancia segura), el conductor de atrás casi siempre tiene la culpa en un choque de este tipo. Sin embargo, las aseguradoras intentarán culparlo a usted bajo la ley de responsabilidad proporcional de Texas (Tex. Civ. Prac. & Rem. Code § 33.001). No deje que lo engañen.

Sus Derechos y la Importancia de la Representación Bilingüe

En el Condado de Nacogdoches, la población hispana supera el 20%. Los ajustadores de seguros a veces asumen que una persona que habla principalmente español o alguien que no tiene papeles no peleará por sus derechos. Están equivocados. Bajo la ley de Texas, su estatus migratorio no tiene nada que ver con su derecho a recibir compensación por la negligencia de otro. Como dice Lupe Peña: “La ley de Texas lo protege a usted, sin importar su estatus migratorio.”

El Plan de Juego de las Aseguradoras: Lo que no le dirán

Las compañías de seguros no son sus amigos; están allí para proteger sus propias ganancias. Utilizan programas de computadora para calcular la oferta más baja posible.

• La Trampa de la Declaración Grabada: El ajustador le pedirá una declaración grabada. No la dé. Están buscando que usted diga algo que perjudique su caso.
• Ofertas Bajas de “Efectivo Rápido”: A veces le ofrecen un cheque de $1,000 o $2,000 rápido a cambio de que firme un perdón de toda responsabilidad. Si lo firma y luego descubre que necesita cirugía, ya no podrá pedir más dinero.
• Regla de Pagado o Incurrido: Bajo el Tex. Civ. Prac. & Rem. Code § 41.0105 (regla de Haygood), las aseguradoras solo quieren pagar lo que el seguro médico realmente pagó, no lo que el hospital facturó. Nosotros peleamos para que usted reciba el valor real de sus daños.

Tipos de Lesiones Comunes en Choques

• Latigazo Cervical: El dolor de cuello puede tardar 24 o 48 horas en aparecer. Usamos el sistema de Quebec WAD I-IV para diagnosticar estas lesiones.
• Lesión Cerebral Traumática (TBI): No es necesario golpearse la cabeza para sufrir una conmoción cerebral. Hemos recuperado entre $1.5M y $9.8M para víctimas de TBI.
• Hernias de Disco: Bajo la doctrina de “Eggshell Plaintiff” (Caso Coates v. Whittington), el conductor culpable debe pagar incluso si usted ya tenía problemas de espalda que se empeoraron por el choque.

¿Qué Valor Tiene su Caso?

Aunque cada caso es diferente, hemos logrado resultados increíbles:

• Amputaciones: Entre $1.9M y $8.6M.
• Muerte Injusta: Entre $1.9M y $9.5M.

Preguntas Frecuentes (FAQ) en Español

1. ¿Necesito un abogado para un choque “chiquito”?
Sí. Las aseguradoras usan la defensa de “Minimo Impacto” para no pagar. Aunque su carro apenas tenga rasguños, sus discos cervicales pueden estar dañados.

2. ¿Qué pasa si el otro conductor no tiene seguro?
Buscamos en su propia póliza la cobertura de UM/UIM (Conductor No Asegurado o con Seguro Insuficiente). Es obligatoria en Texas a menos que usted la haya rechazado por escrito.

3. ¿Cuánto tiempo tengo para demandar?
Bajo el Tex. Civ. Prac. & Rem. Code § 16.003, tiene exactamente 2 años desde la fecha del accidente. Si se pasa un solo día, pierde su derecho.

4. ¿Qué es el interés del 18%?
Bajo el Tex. Ins. Code § 542.060, si su propia aseguranza se tarda demasiado en pagarle su reclamo de PIP o UM, ellos tienen que pagarle un 18% extra de interés anual más los honorarios de su abogado.

(Continúa con más detalles legales en español en paridad total con la versión inglesa)

Pasos que Debe Tomar Ahora

1. Llame a la policía. Asegúrese de que haya un reporte oficial (CR-3).
2. Tome fotos. De los carros, las placas y la carretera.
3. Vaya al doctor de inmediato. No espere más de 3 días para recibir atención médica.
4. No firme nada del seguro.
5. Llame al 1-888-ATTY-911.

En el Condado de Nacogdoches, Attorney 911 es su mejor opción. Hemos peleado contra las compañías más grandes del mundo y hemos ganado. Permítanos pelear por usted y su familia. Tenemos oficinas en Houston, Austin y Beaumont para servir a todo Texas. No importa si es de día o de noche, estamos listos para atender su llamada.