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New Braunfels & Comal County Car & Truck Accident Attorneys | I-35, US-281, Loop 337 Crashes | 18-Wheelers, Commercial Vehicles, Rideshare, Hit-and-Run | Former Insurance Defense — We Know Their Playbook | Multi-Million-Dollar Results | Attorney911 — The Firm Insurers Fear | Federal Court Experience | Se Habla Español | 1-888-ATTY-911

Motor Vehicle Accidents in New Braunfels, Comal County, Texas: Legal Emergency Guide

When Seconds Count, Attorney911 Answers

If you’ve been injured in a car accident in New Braunfels or anywhere in Comal County, Texas, you’re not just another statistic—you’re a neighbor in crisis. With one crash happening every 57 seconds across Texas and 251,977 people injured last year alone, our roads have become danger zones. But when the unthinkable happens on I-35, along the Guadalupe River, or at the busy intersections of New Braunfels, you need more than just a lawyer—you need a legal emergency response team.

At Attorney911, we don’t just handle car accident cases—we treat them as the emergencies they are. Our hotline, 1-888-ATTY-911, isn’t a marketing gimmick. It’s a lifeline for Comal County residents who’ve had their lives upended in an instant. When you call, you’ll speak directly with Ralph Manginello, our founder with over 25 years of experience fighting for Texas accident victims, or Lupe Peña, our former insurance defense attorney who knows exactly how insurance companies try to minimize your claim.

We understand that a car accident in New Braunfels isn’t just about medical bills and vehicle damage. It’s about the fear of never feeling safe on the road again. It’s about the anxiety of not being able to provide for your family while you recover. It’s about the frustration of dealing with insurance adjusters who seem more concerned with protecting their bottom line than your well-being. That’s why we don’t just fight for compensation—we fight for your peace of mind.

The Reality of Car Accidents in New Braunfels and Comal County

New Braunfels sits at the crossroads of Texas, where I-35 carries thousands of vehicles daily between San Antonio and Austin. This strategic location brings economic benefits but also significant traffic risks. The stretch of I-35 through Comal County is particularly notorious, with its mix of local commuters, long-haul truckers, and tourists heading to Schlitterbahn or the beautiful Guadalupe River.

But it’s not just the interstate that poses dangers. Local roads like Loop 337, FM 306, and the busy corridors around Gruene Road and Seguin Avenue see their share of accidents. Whether it’s a rear-end collision at a stoplight on Business I-35, a T-bone accident at the intersection of Loop 337 and FM 725, or a drunk driving incident after a night out in downtown New Braunfels, the consequences can be life-altering.

Consider these Texas statistics that reflect what’s happening right here in Comal County:

  • 1 person injured every 2 minutes and 5 seconds
  • 1 fatality every 2 hours and 7 minutes
  • 4,150 lives lost in Texas last year
  • 380 deaths caused by distracted driving

These aren’t just numbers—they represent families in New Braunfels, Bulverde, Garden Ridge, and across Comal County who’ve had their lives changed forever. And behind each of these statistics is an insurance company already building a case to minimize the compensation you deserve.

Why New Braunfels Accidents Demand Local Legal Expertise

When you’re injured in a car accident in Comal County, you need attorneys who understand the unique challenges of our community. We know the local courts, from the Comal County Courthouse in New Braunfels to the 207th District Court. We’re familiar with the judges, the insurance adjusters who handle claims in this area, and the specific accident patterns that occur on our roads.

Ralph Manginello’s 25+ years of experience aren’t just about legal knowledge—they’re about understanding how accidents happen in our community. Whether it’s the increased traffic during Wurstfest, the dangers of distracted driving near Canyon High School, or the unique challenges of accidents involving tourists unfamiliar with our roads, we’ve seen it all. And we know how to build a case that reflects the reality of life in Comal County.

But what truly sets Attorney911 apart is our insurance defense advantage. Lupe Peña spent years working for a national defense firm, learning firsthand how large insurance companies value claims. He knows their tactics because he used them—calculating settlement values, selecting IME doctors, and building cases against accident victims. Now, he uses that insider knowledge to fight for you.

Common Types of Motor Vehicle Accidents in Comal County

Car Accidents: The Most Common but Often Complex

Car accidents might be the most common type of motor vehicle collision in Comal County, but they’re far from simple. Whether it’s a rear-end collision on I-35 during rush hour, a T-bone accident at the intersection of Loop 337 and FM 1863, or a single-vehicle crash on the winding roads near Canyon Lake, the aftermath can be devastating.

In a recent case, our client’s leg was injured in a car accident. What started as a seemingly manageable injury became much more serious when staff infections developed during treatment, ultimately leading to a partial amputation. This case settled in the millions—not because of the initial injury, but because we documented how the accident changed our client’s life forever.

Common injuries in car accidents include:

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

One of the biggest challenges in car accident cases is proving the full extent of your injuries. Insurance companies often try to minimize soft tissue injuries or claim that your symptoms are pre-existing. That’s where our medical knowledge and Lupe’s insider experience become invaluable. We know how to document your injuries properly and present them in a way that insurance companies can’t ignore.

18-Wheeler and Trucking Accidents: When Size Means Catastrophe

Comal County’s location along I-35 makes it a major corridor for commercial trucking. Every day, hundreds of 18-wheelers pass through our community, carrying goods between San Antonio, Austin, and beyond. When one of these massive vehicles is involved in an accident, the results are often catastrophic.

Texas leads the nation in fatal truck crashes, accounting for 11% of all such accidents nationwide. In 2024 alone, there were 39,393 commercial motor vehicle crashes in Texas, resulting in 608 fatalities and 1,601 serious injuries. Many of these accidents occur right here in Comal County, where I-35’s mix of local traffic and long-haul trucking creates a dangerous combination.

What makes trucking accidents particularly complex is the web of liability. It’s not just the driver who may be responsible—it’s also:

  • The trucking company (for negligent hiring, training, or supervision)
  • The cargo loader (if improper loading caused the accident)
  • The vehicle manufacturer (if a defect contributed to the crash)
  • The maintenance company (if poor repairs were a factor)

This complexity is why you need attorneys with federal court experience. Ralph Manginello is admitted to practice in the U.S. District Court for the Southern District of Texas, which handles many trucking cases due to the federal regulations involved. Our firm has also been involved in complex litigation like the BP explosion case, demonstrating our ability to take on billion-dollar corporations and win.

One of our most significant advantages in trucking cases is our understanding of the Federal Motor Carrier Safety Administration (FMCSA) regulations. These rules govern everything from hours of service (how long a driver can be on the road) to vehicle maintenance requirements. Violations of these regulations can establish negligence per se, making your case much stronger.

For example, we know that:

  • Drivers can only be on duty for 14 consecutive hours after 10 hours off
  • They’re limited to 11 hours of driving during that 14-hour window
  • They must take a 30-minute break after 8 hours of driving
  • Electronic logging devices (ELDs) must be used to track compliance

When we investigate a trucking accident, we immediately request the driver’s logs and ELD data. This information can prove that the driver was fatigued, violating hours of service regulations, or otherwise operating the vehicle unsafely. But this data doesn’t last forever—it can be overwritten in as little as 30 days. That’s why it’s critical to call Attorney911 immediately after a trucking accident.

Drunk Driving Accidents: Holding All Responsible Parties Accountable

Comal County has seen its share of drunk driving tragedies. With popular destinations like Gruene Hall, the local wineries, and the vibrant nightlife in New Braunfels, alcohol-related accidents are an unfortunate reality. In Texas, 1,053 people were killed in alcohol-impaired driving crashes last year—that’s 25.37% of all traffic fatalities.

What many people don’t realize is that in drunk driving cases, you may be able to hold more than just the driver accountable. Under Texas’s dram shop law (Texas Alcoholic Beverage Code § 2.02), bars, restaurants, and even liquor stores can be held liable if they served alcohol to someone who was obviously intoxicated and that person then caused an accident.

Signs of obvious intoxication include:

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

This means that if you were injured by a drunk driver who was over-served at a local establishment, we can pursue compensation from both the driver and the business that contributed to their intoxication. This is particularly important in cases involving catastrophic injuries or wrongful death, where the driver’s insurance may not be sufficient to cover the full extent of your damages.

Drunk driving cases also often qualify for punitive damages—additional compensation designed to punish the defendant and deter similar behavior. These damages can significantly increase the value of your case, but they require clear and convincing evidence of gross negligence or malice.

Our firm’s experience in both civil and criminal cases gives us a unique advantage in drunk driving accident cases. Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), which means we have the skills to handle both the civil claim for compensation and any related criminal proceedings. In fact, we’ve successfully had three DWI cases dismissed by:

  1. Proving that a police department employee wasn’t properly maintaining the breathalyzer machines
  2. Demonstrating that there was no breath or blood test, EMS didn’t note intoxication, and hospital records were missing
  3. Showing video evidence that our client didn’t appear drunk

This level of investigation and attention to detail is what sets Attorney911 apart. We don’t just accept what the police report says—we dig deeper to uncover the truth.

Motorcycle Accidents: Fighting Bias and Proving Your Case

Motorcycle riders face unique risks on Comal County roads. The scenic routes around Canyon Lake and the Hill Country draw riders from across Texas, but our roads can be dangerous for those on two wheels. In 2024, there were 585 motorcyclist fatalities in Texas, and 37% of those killed weren’t wearing helmets.

One of the biggest challenges in motorcycle accident cases is overcoming the bias that many people—including insurance adjusters and jurors—have against riders. Insurance companies often try to shift blame to the motorcyclist, arguing that they were speeding, lane-splitting, or otherwise at fault. This is where Texas’s comparative negligence rule becomes critical.

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

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

Insurance companies know this and will do everything they can to assign you as much fault as possible. They might argue that you weren’t wearing a helmet (even though Texas only requires helmets for riders under 21 or those without medical insurance), that you were speeding, or that you could have avoided the accident.

This is where Lupe Peña’s experience becomes invaluable. Having worked for insurance companies, he knows exactly how they build these comparative fault arguments. Now, he uses that knowledge to counter their tactics and protect your right to fair compensation.

Pedestrian Accidents: Protecting Our Most Vulnerable Road Users

New Braunfels is a walkable community, with residents and visitors alike enjoying strolls through downtown, along the Riverwalk, or across the beautiful parks. But our roads can be dangerous for pedestrians. In 2024, there were 6,095 pedestrian crashes in Texas, resulting in 768 fatalities. Pedestrians account for just 1% of all crashes but 19% of all roadway deaths.

One critical legal point that many people don’t know is that pedestrians always have the right-of-way at intersections in Texas—even at unmarked crosswalks. This means that any time there’s an intersection of two streets, the distance between them is considered a crosswalk, even if it’s not painted on the road.

Despite this clear legal protection, insurance companies often try to blame pedestrians for accidents. They might argue that you weren’t in a crosswalk, that you weren’t paying attention, or that you suddenly darted into the road. That’s why it’s crucial to have attorneys who understand both the law and how to counter these arguments.

Common injuries in pedestrian accidents are often severe due to the lack of protection:

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

Rideshare Accidents: Navigating the Insurance Maze

Rideshare services like Uber and Lyft have become a common sight in New Braunfels, providing convenient transportation for residents and visitors alike. But when an accident occurs involving a rideshare vehicle, the insurance situation becomes complex.

One of the biggest challenges in rideshare accident cases is determining which insurance policy applies. The coverage available depends on what the driver was doing at the time of the accident:

Phase Driver Status Coverage Available
0 App off, personal use Driver’s personal insurance only ($30K/$60K/$25K minimum in Texas)
1 App on, waiting for ride request $50K/$100K/$25K contingent coverage
2 Ride accepted, en route to pickup $1,000,000 commercial coverage
3 Passenger in vehicle $1,000,000 commercial coverage

This means that if you’re injured by a rideshare driver who was waiting for a ride request (Phase 1), you might only have access to $50,000 in coverage—far less than if the driver had a passenger (Phase 3). And if the driver’s app was off (Phase 0), you’re limited to their personal insurance, which may not be sufficient to cover your injuries.

Lupe Peña’s experience with insurance companies is particularly valuable in rideshare cases. He understands how these policies work and knows how to identify which coverage applies. He also knows how to navigate the complex claims process that often involves multiple insurance companies.

Hit and Run Accidents: When the At-Fault Driver Disappears

Hit and run accidents are particularly frustrating because the person who caused your injuries has fled the scene. In Texas, someone is involved in a hit and run accident every 43 seconds. These cases can feel hopeless, but there are still options for compensation.

If the at-fault driver can’t be identified, your own uninsured motorist (UM) coverage can step in to compensate you. This is why it’s so important to have UM coverage on your policy. Unfortunately, many people don’t realize they have this coverage or how to use it.

The penalties for hit and run in Texas are severe:

  • Death or serious bodily injury: 2nd degree felony (2-20 years in prison)
  • Minor injury: State jail felony (up to 5 years)
  • Property damage over $200: Class B misdemeanor (up to 6 months in jail)

But criminal penalties don’t help you recover compensation for your injuries. That’s where we come in. We immediately send preservation letters to nearby businesses to secure surveillance footage before it’s automatically deleted. We also work with law enforcement to identify the at-fault driver and pursue both criminal and civil actions.

Tesla and Autonomous Vehicle Accidents: When Technology Fails

As electric and autonomous vehicles become more common in Comal County, we’re seeing a new type of accident case emerge. Tesla’s Autopilot and Full Self-Driving (FSD) systems have been involved in several high-profile accidents, including some right here in Texas.

In May 2016, the first U.S. Autopilot fatality occurred in Florida when a Tesla Model S failed to detect a white 18-wheeler crossing its path. In March 2018, an Apple engineer was killed in California when his Tesla crashed into a highway barrier—this case was settled in April 2024. And in August 2025, a jury awarded $240 million against Tesla in a landmark case involving Autopilot.

These cases raise complex liability questions:

  • Did Tesla misrepresent the capabilities of its systems?
  • Did the marketing foster overconfidence in drivers?
  • Did Tesla know about defects but fail to fix them properly?
  • Are software updates sufficient, or should there be recalls?

Our firm is at the forefront of handling these complex product liability cases. With Ralph Manginello’s federal court experience and our involvement in complex litigation like the BP explosion case, we have the resources and expertise to take on billion-dollar corporations.

The 48-Hour Protocol: What to Do Immediately After an Accident in Comal County

When an accident happens, the steps you take in the first 48 hours can make or break your case. Evidence disappears quickly, and insurance companies start building their case against you immediately. Here’s what you should do:

Hour 1-6: Immediate Crisis Response

  1. Safety First: If you can move safely, get to a secure location away from traffic. On busy roads like I-35 or Loop 337, moving to the shoulder can prevent secondary accidents.
  2. Call 911: Report the accident and request medical assistance if anyone is injured. Even if you feel fine, adrenaline can mask serious injuries.
  3. Document Everything:
    • Take photos of all vehicle damage from multiple angles
    • Photograph the accident scene, road conditions, and traffic signals
    • Take photos of any visible injuries
    • Screenshot any messages visible on your phone (don’t delete anything)
  4. Exchange Information:
    • Other driver’s name, phone number, and address
    • Insurance company and policy number
    • Driver’s license number
    • License plate number
    • Vehicle make, model, and color
  5. Witnesses: Get names and phone numbers of any witnesses. Ask if they saw what happened and if they’d be willing to provide a statement.
  6. Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to any insurance company.

Hour 6-24: Evidence Preservation

  1. Digital Preservation:
    • Preserve all texts, calls, photos, and videos related to the accident
    • Don’t delete anything from your phone
    • Screenshot everything relevant
    • Email copies to yourself for backup
  2. Physical Evidence:
    • Secure damaged clothing, glasses, or personal items
    • Keep receipts for any expenses (towing, rental car, medications)
    • Don’t repair your vehicle yet—preserve the damage
  3. 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
  4. Insurance Communications:
    • Note any calls from insurance companies
    • Don’t give recorded statements yet
    • Don’t sign anything
    • Don’t accept any settlement offers
    • Say: “I need to speak with my attorney first”
  5. Social Media:
    • Make all profiles private immediately
    • Don’t post about the accident
    • Don’t post photos of injuries or activities
    • Tell friends and family not to tag you in posts

Hour 24-48: Strategic Decisions

  1. 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
  2. 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
  3. Settlement Offers:
    • Don’t accept or sign anything without lawyer review
    • Early offers are always lowball offers
    • You don’t know the full extent of your injuries yet
  4. 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

  1. Medical Follow-Up:
    • Continue documenting all injuries
    • See specialists if recommended
    • Follow all doctor’s recommendations (insurance companies watch for gaps in treatment)
    • Get written work restrictions if needed
  2. Investigation Begins:
    • Attorney obtains police report
    • Preservation letters sent to all parties
    • Surveillance footage secured before deletion
    • Witness statements recorded
  3. Communication:
    • Attorney handles all insurance communication
    • You focus on recovery
    • Document any pressure from insurance or other parties

Why Evidence Disappears So Quickly

One of the most critical aspects of building a strong case is preserving evidence. Unfortunately, evidence disappears on a predictable schedule:

  • Day 1-7: Witness memories are at their peak but begin fading immediately. Details become uncertain as time passes.
  • Day 7-30: Surveillance footage is automatically deleted. Gas stations typically keep footage for 7-14 days, retail stores for 30 days, and traffic cameras for 30 days. Once deleted, this footage is gone forever.
  • Month 1-2: Insurance companies solidify their defense position. Adjusters build their case against you, and their settlement position hardens.
  • Month 2-6: Trucking electronic data is deleted. Electronic logging device (ELD) data can be overwritten in 30-180 days. Black box data from vehicles can also be lost.
  • Month 6-12: Witnesses become harder to locate. Their memories degrade significantly, and they may move or change jobs.
  • Month 12-24: You approach the statute of limitations deadline, creating pressure to settle. Evidence is severely degraded, and your case value diminishes.

This is why calling Attorney911 immediately is so critical. Within 24 hours of retaining us, we send preservation letters to:

  • The other driver and their insurance company
  • Trucking companies (for commercial vehicle accidents)
  • Businesses near the accident scene (for surveillance footage)
  • Employers (if the accident was work-related)
  • Property owners (if applicable)
  • Government entities (for traffic camera footage)

These letters legally require evidence preservation before automatic deletion. Without them, critical evidence can be lost forever.

Texas Motor Vehicle Law: What You Need to Know

Understanding Texas law is crucial to protecting your rights after an accident. Here are the key legal concepts you need to know:

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. There are very limited exceptions, such as:

  • The discovery rule (if you couldn’t have reasonably discovered your injury immediately)
  • Defendant absence from Texas
  • Mental incapacity

This deadline applies to:

  • Personal injury claims
  • Wrongful death claims (2 years from the date of death)
  • Property damage claims

Comparative Negligence: The 51% Bar Rule

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

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

For example:

  • If you’re 10% at fault in a $100,000 case, you recover $90,000
  • If you’re 40% at fault in a $500,000 case, you recover $300,000
  • If you’re 51% at fault in any case, you recover $0

Insurance companies know this rule and will do everything they can to assign you as much fault as possible. Having an attorney who understands how they build these arguments is crucial to protecting your recovery.

Minimum Auto Insurance Requirements

Texas requires all drivers to carry minimum insurance coverage:

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

However, these minimums are often insufficient to cover serious injuries. That’s why we also pursue claims against:

  • The at-fault driver’s personal assets (if their insurance is insufficient)
  • Your own underinsured motorist (UIM) coverage
  • Other liable parties (employers, manufacturers, etc.)

Dram Shop Liability

Under Texas Alcoholic Beverage Code § 2.02, bars, restaurants, and liquor stores can be held liable if they serve alcohol to someone who is obviously intoxicated and that person then causes an accident. This is particularly important in drunk driving cases.

Uninsured/Underinsured Motorist Coverage

Texas allows you to stack UM/UIM coverage from multiple policies. This means if you have multiple vehicles with UM coverage, you can combine those limits to increase your protection.

Proving Liability: Building a Strong Case

To win your case, we must prove four elements of negligence:

  1. Duty of Care: The at-fault party had a legal obligation to act reasonably. For drivers, this means obeying traffic laws and operating their vehicle safely.
  2. Breach of Duty: The at-fault party violated their duty of care. This could be speeding, running a red light, texting while driving, or any other negligent action.
  3. Causation: The breach of duty directly caused your injuries. We must show that “but for” the defendant’s actions, you wouldn’t have been injured.
  4. Damages: You suffered actual harm (physical, financial, or emotional) as a result of the accident.

Building a strong case requires gathering various types of evidence:

Physical Evidence

  • Vehicle damage photographs (all angles)
  • Skid marks, debris, and road damage
  • Damaged personal property (clothing, glasses, phone)
  • Weather and road conditions documentation

Documentary Evidence

  • Police accident report
  • 911 call recordings
  • Traffic camera footage
  • Surveillance footage from nearby businesses
  • Medical records and bills
  • Employment records (for lost wages)
  • Cell phone records (proving distraction)

Electronic Evidence

  • Electronic logging device (ELD) data from trucks
  • Vehicle black box/EDR (Event Data Recorder)
  • GPS/telematics data
  • Dashcam footage
  • Social media posts (theirs, not yours)

Testimonial Evidence

  • Witness statements
  • Expert witness testimony
  • Medical expert opinions
  • Accident reconstruction specialists

In trucking cases, there are often multiple liable parties, which can increase your potential recovery:

  • The truck driver (for negligent operation)
  • The trucking company (for negligent hiring, training, or maintenance)
  • The cargo loader (for improper loading)
  • The vehicle manufacturer (for defective parts)
  • The maintenance company (for improper repairs)

Damages: What You Can Recover

In Texas, you can recover several types of damages after a motor vehicle accident:

Economic Damages (No Cap in Texas)

These are quantifiable financial losses:

  • Medical expenses (past and future)
  • Lost wages and lost earning capacity
  • Property damage
  • Out-of-pocket expenses (transportation, home modifications, etc.)

Non-Economic Damages (No Cap Except Medical Malpractice)

These are intangible losses:

  • Pain and suffering
  • Mental anguish
  • Physical impairment
  • Disfigurement
  • Loss of enjoyment of life
  • Loss of consortium (impact on marital relationship)

Punitive/Exemplary Damages (Capped)

These are designed to punish the defendant and deter similar conduct. They’re available in cases involving:

  • Fraud
  • Malice
  • Gross negligence

The cap is the greater of:

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

Insurance Tactics: How They Try to Minimize Your Claim

Insurance companies have a playbook of tactics they use to minimize or deny your claim. Having a former insurance defense attorney on our team gives us unique insight into these strategies:

Tactic #1: The Quick Cash Trap

Within days of your accident, the insurance company will likely call you with a settlement offer. It might sound generous—$2,000, $5,000, maybe even $10,000. They’ll create artificial urgency, saying things like:

  • “This offer expires in 48 hours”
  • “We can only get approval for this amount right now”
  • “Take it or leave it”

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

In one case, insurance offered our client $3,500 just three days after her accident. She was tempted to take it—she was in pain, scared, and needed money. But we advised her to wait. Six weeks later, an MRI revealed a herniated disc requiring surgery. That surgery cost over $100,000. If she had taken the initial offer, she would have been responsible for the remaining $96,500+ in medical bills.

Tactic #2: The Recorded Statement Trap

Insurance adjusters will call you, acting friendly and concerned. They’ll say they just need “your side of the story” to process your claim. What they’re really doing is building their defense against you.

They’ll ask leading questions designed to get you to:

  • Minimize your injuries (“You’re feeling better now, right?”)
  • Admit partial fault (“Were you distracted at all?”)
  • Downplay the accident (“It wasn’t that bad of an impact, was it?”)

Everything you say is recorded, transcribed, and will be used against you. Even innocent statements can be taken out of context.

Lupe Peña, our former insurance defense attorney, knows this tactic well. He used to conduct these recorded statements for insurance companies. Now, he prepares our clients to handle them properly—or better yet, he handles them for you.

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

If your case involves significant injuries, the insurance company will likely require you to undergo an “Independent Medical Examination” (IME). Don’t let the name fool you—this exam is anything but independent.

Insurance companies select doctors who consistently provide reports that minimize injuries. These doctors are paid thousands of dollars per exam by insurance companies, creating a clear conflict of interest.

During the exam:

  • They’ll spend just 10-15 minutes with you (vs. hours with your treating doctors)
  • They’ll ask leading questions designed to elicit responses that minimize your injuries
  • They’ll look for any reason to claim your injuries are pre-existing or not serious

Common IME doctor findings include:

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

Lupe knows these doctors personally—he hired many of them when he worked for insurance companies. He knows their biases and how to counter their reports with our own medical experts.

Tactic #4: Delay, Deny, Defend

Insurance companies know that time is on their side. The longer they can delay your claim, the more desperate you become. They’ll:

  • Claim they’re “still investigating”
  • Say they’re “waiting for medical records” (even when you’ve provided them)
  • Ignore your calls and emails
  • Take weeks to respond to simple questions

Their goal is to make you so frustrated and financially desperate that you’ll accept a lowball offer just to end the nightmare.

Meanwhile, they’re earning interest on your settlement money while you struggle to pay bills. They have unlimited resources and time—you don’t.

Tactic #5: Surveillance and Social Media Monitoring

Insurance companies will hire private investigators to follow you and monitor your social media accounts. They’re looking for any evidence that contradicts your injury claims.

They’ll:

  • Video you doing daily activities
  • Follow you to appointments, errands, and social events
  • Monitor all your social media platforms (Facebook, Instagram, TikTok, etc.)
  • Screenshot everything you post
  • Monitor your friends’ accounts for posts about you
  • Use facial recognition to find photos you’re tagged in

They’ll take innocent activities out of context. For example:

  • A photo of you smiling at a family gathering becomes “evidence” that you’re not in pain
  • A video of you walking your dog becomes “proof” that you’re not disabled
  • A check-in at a restaurant becomes “evidence” that you’re living normally

Lupe has reviewed hundreds of surveillance videos as an insurance defense attorney. He knows exactly what they’re looking for and how to protect you.

Tactic #6: Comparative Fault Arguments

Texas’s 51% bar rule gives insurance companies a powerful weapon. They’ll do everything they can to assign you as much fault as possible to reduce or eliminate their payment.

Common arguments include:

  • “You were speeding” (even without evidence)
  • “You weren’t paying attention” (speculation)
  • “You could have avoided the accident” (hindsight bias)
  • “You were distracted” (guessing)

Even if you’re only partially at fault, it 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 knows these arguments because he made them for years. Now, he uses that knowledge to counter them effectively.

The Colossus System: How Insurance Companies Calculate Your Claim

Most major insurance companies use a software system called Colossus to calculate claim values. Lupe used this system when he worked for insurance companies, and he knows exactly how it works.

Here’s how Colossus determines your claim value:

  1. The adjuster inputs injury codes, treatment types, and costs
  2. The system applies algorithms to determine a “value range”
  3. The adjuster typically cannot exceed this range without supervisor approval

The problem? Colossus is programmed to undervalue serious injuries. Adjusters are trained to:

  • Use the lowest possible injury codes
  • Flag “excessive” treatment for reduction
  • Penalize chiropractic care vs. MD treatment
  • Reduce values for pre-existing conditions
  • Apply conservative jurisdiction factors

Lupe knows how to present your medical records to Colossus in a way that triggers higher valuations. He knows which medical terms to emphasize and how to document your injuries properly.

Medical Knowledge: Understanding Your Injuries

At Attorney911, we don’t just understand the law—we understand the medical realities of your injuries. This knowledge helps us build stronger cases and fight for the full compensation you deserve.

Traumatic Brain Injury (TBI)

TBIs are among the most serious injuries we see in motor vehicle accidents. Symptoms can be immediate or delayed:

Immediate Symptoms:

  • Loss of consciousness
  • Confusion and disorientation
  • Vomiting and nausea
  • Seizures
  • Severe headache
  • Dilated pupils
  • Slurred speech
  • Weakness or numbness

Delayed Symptoms (Critical):

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

TBIs are classified by severity:

  • Mild TBI/Concussion: Brief loss of consciousness, may seem “fine” initially
  • Moderate TBI: Loss of consciousness for minutes to hours, lasting cognitive impairment
  • Severe TBI: Extended unconsciousness or coma, likely permanent disability

Long-term complications can include:

  • Chronic Traumatic Encephalopathy (CTE)
  • Post-Concussive Syndrome (headaches, dizziness lasting months or years)
  • Increased dementia risk later in life
  • Personality and mood disorders
  • Seizure disorders
  • Cognitive impairment

Spinal Cord Injuries

Spinal cord injuries can result in partial or complete paralysis. The level of injury determines the extent of impairment:

  • Cervical (C1-C8, Neck): Quadriplegia (all four limbs paralyzed)
    • C1-C4: High cervical, may require ventilator
    • C5-C8: Low cervical, some arm/hand function
  • Thoracic (T1-T12, Mid-Back): Paraplegia (lower body paralysis)
  • Lumbar (L1-L5, Lower Back): Varying degrees of leg weakness/paralysis

The ASIA Impairment Scale classifies spinal cord injuries:

  • A: Complete (no motor or sensory function below injury)
  • B: Sensory incomplete (sensory but no motor function)
  • C: Motor incomplete (motor function but most muscles weak)
  • D: Motor incomplete (most muscles strong)
  • E: Normal (full recovery)

Secondary complications can include:

  • Pressure sores (leading cause of hospitalization)
  • Respiratory complications (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

Amputations

Amputations can occur at the accident scene or later due to complications. Our firm handled a case where a client’s leg injury from a car accident led to staff infections and ultimately a partial amputation. This case settled in the millions.

Types of amputations include:

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

Phantom limb pain affects 80% of amputees, causing pain in the limb that’s no longer there. This condition often requires lifetime pain management.

Herniated Discs

Herniated discs are common in car accidents, especially rear-end collisions. Treatment typically follows this timeline:

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

Permanent restrictions can impact your ability to return to physical labor jobs, leading to lost earning capacity claims.

Soft Tissue Injuries

Insurance companies often undervalue soft tissue injuries like whiplash because they don’t show up on X-rays. However, these injuries can be serious:

  • 15-20% develop chronic pain
  • Can prevent return to physical jobs
  • Often misdiagnosed initially (rotator cuff tears thought to be sprains)

Proper documentation is critical to proving the severity of soft tissue injuries.

Why Choose Attorney911 for Your New Braunfels Car Accident Case

When you’re injured in a car accident in Comal County, you have choices. But Attorney911 offers advantages that other firms simply can’t match:

1. Insurance Defense Insider Advantage

Lupe Peña worked for years at a national defense firm, learning firsthand how large insurance companies value claims. He knows:

  • How they calculate settlement values
  • Which doctors they use for “independent” medical exams
  • How they build comparative fault arguments
  • How to counter their delay tactics
  • How to maximize your claim value

This insider knowledge is our secret weapon. No other firm in Comal County has this advantage.

2. Multi-Million Dollar Results

Our results speak for themselves:

  • Multi-million dollar settlement for a client who suffered a brain injury with vision loss when a log dropped on him at a logging company
  • In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions
  • We’ve recovered millions for families facing trucking-related wrongful death cases
  • In a maritime case, we secured a significant cash settlement for a client who injured his back while lifting cargo on a ship

These aren’t just numbers—they represent lives changed, families protected, and futures secured.

3. Federal Court Experience

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

  • Complex trucking cases (FMCSA regulations are federal)
  • Cases against out-of-state defendants
  • Product liability cases (like Tesla/Autopilot accidents)
  • Cases with multiple liable parties

Our firm was also one of the few involved in the BP explosion litigation, demonstrating our ability to handle complex cases against billion-dollar corporations.

4. Personal Attention from Start to Finish

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

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

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

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

5. Contingency Fee – No Risk to You

We work on a contingency fee basis—you pay nothing unless we win your case. If we recover compensation for you, our fee is a percentage of the recovery. You may still be responsible for court costs and case expenses regardless of outcome, but we’ll discuss all of this during your free consultation.

This means:

  • No upfront costs
  • No hourly billing
  • We advance all case expenses
  • You pay nothing unless we win

Frequently Asked Questions About New Braunfels Car Accidents

Immediate After Accident

What should I do immediately after a car accident in New Braunfels?
If you’ve been in an accident in New Braunfels or Comal County:

  1. Call 911 and report the accident
  2. Seek medical attention even if you feel fine (adrenaline masks injuries)
  3. Document everything: photos of damage, injuries, scene
  4. Exchange information with the other driver
  5. Get witness names and phone numbers
  6. Do NOT give a recorded statement to any insurance company
  7. Call Attorney911 at 1-888-ATTY-911

Should I call the police even for a minor accident?
Yes. Always call police. The police report is critical evidence. In Texas, you must report accidents with injuries, deaths, or property damage over $1,000.

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

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

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

What information should I collect at the scene?

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

Should I talk to the other driver or admit fault?

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

How do I obtain a copy of the accident report?
In Comal County, you can obtain the police report from the New Braunfels Police Department or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

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

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

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

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

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

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

Legal Process

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

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

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

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

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

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

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

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

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

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

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

What is the legal process step-by-step?

  1. Investigation and evidence gathering
  2. Medical treatment to MMI
  3. Demand letter to insurance
  4. Negotiation
  5. Lawsuit if necessary
  6. Discovery
  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

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

What types of damages can I recover?

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

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

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

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

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

Attorney Relationship

How much do car accident lawyers cost?
Attorney911 works on contingency: 33.33% before trial, 40% if trial. You pay nothing upfront. We don’t get paid unless we win.

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

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

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

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

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

Mistakes to Avoid

What common mistakes can hurt my case?

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

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

Should I post about my accident on social media?
NO. Make all profiles private. Don’t post about the accident, injuries, or activities. Insurance monitors everything.

Why shouldn’t I sign anything without a lawyer?
Releases are PERMANENT. Medical authorizations give unlimited access. Settlement offers are binding. Once signed, you can’t undo it.

What if I didn’t see a doctor right away?
See one NOW. Explain you didn’t realize the severity of your injuries. Delayed symptoms are common. We can still help.

Additional Common Questions

What if I have a pre-existing condition?
You can still recover. If the accident AGGRAVATED your pre-existing condition, you’re entitled to compensation for the aggravation. The “eggshell plaintiff” rule means the defendant takes you as they find you. For example, if you had mild occasional back pain and the accident caused a herniated disc requiring surgery, you recover for the new injury, not just the pre-existing pain. We hire medical experts to prove the difference. Lupe knows how insurance attacks pre-existing conditions—he used this defense for years.

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

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

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

What if I was hit by a government vehicle (city bus, police car, etc.)?
Government claims have special rules. You must file notice within 6 months (much shorter than the 2-year statute of limitations). Sovereign immunity protects government entities, and damage caps may apply. These cases are complex—you need experienced attorneys. Ralph’s 25+ years includes government litigation. Call 1-888-ATTY-911 immediately—the 6-month deadline is strict.

What if the other driver fled the scene (hit and run)?
File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL—gas stations, businesses, Ring doorbells, traffic cameras. Most footage is deleted within 7-30 days. We send preservation letters immediately. Texas allows UM stacking. We’ve recovered substantial settlements in hit and run cases through UM claims.

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

What if the accident happened in a parking lot?
Parking lot accidents are fully compensable. Insurance companies love to argue “parking lot accidents are always 50/50 fault” (LIE). We prove fault through: surveillance video, witness statements, damage analysis, and traffic patterns. Texas comparative negligence rules apply. We’ve won many parking lot cases with clear liability findings.

What if I was a passenger in the at-fault vehicle?
You can sue the driver even if you were riding with them (friend, family member, Uber driver). You’re an innocent victim. The driver’s insurance covers passengers. No comparative fault issues (you weren’t driving). These cases often settle quickly because liability is clear. We handle the difficult conversation so you don’t have to.

What if the other driver died in the accident?
You can still pursue a claim against the deceased driver’s estate and insurance. Death doesn’t eliminate liability. The insurance policy still applies. The estate may have assets. Wrongful death laws protect both sides. These cases are emotionally complex but legally straightforward. We handle them with sensitivity while protecting your rights.

New Braunfels and Comal County: Our Community, Your Case

At Attorney911, we’re proud to serve New Braunfels and all of Comal County. Our deep roots in Texas give us a unique understanding of the challenges our community faces after motor vehicle accidents.

Understanding New Braunfels Roads

We know the specific dangers of:

  • I-35: The mix of local traffic and long-haul trucking creates a dangerous combination, especially near the exits for New Braunfels and San Marcos.
  • Loop 337: This busy corridor sees frequent accidents, particularly at intersections with FM 725 and FM 1863.
  • FM 306: The scenic route to Canyon Lake is beautiful but dangerous, with winding roads and limited visibility.
  • Downtown New Braunfels: The historic district attracts tourists, leading to increased pedestrian traffic and potential for accidents.
  • Gruene Road: A popular destination for visitors, but the narrow roads and increased traffic can be hazardous.

Local Resources We Work With

We have relationships with:

  • Hospitals: Christus Santa Rosa Hospital – New Braunfels, Resolute Health Hospital
  • Trauma Centers: Nearest Level I trauma centers are in San Antonio (University Hospital, Brooke Army Medical Center)
  • Courts: Comal County Courthouse, 207th District Court, Comal County Justice of the Peace Courts
  • Law Enforcement: New Braunfels Police Department, Comal County Sheriff’s Office

Why Local Knowledge Matters

When you hire Attorney911, you’re not just getting legal expertise—you’re getting attorneys who understand our community. We know:

  • Which judges preside over personal injury cases in Comal County
  • Which insurance adjusters handle claims in this area
  • The specific accident patterns that occur on our local roads
  • The challenges of dealing with tourist traffic during peak seasons
  • The local medical providers and their billing practices

This local knowledge allows us to build stronger cases and achieve better results for our clients.

The Attorney911 Difference: More Than Just a Law Firm

When you call Attorney911, you’re not just hiring a law firm—you’re gaining a team of advocates who will fight for you like family. Here’s what sets us apart:

We Answer When You Need Us Most

Our hotline, 1-888-ATTY-911, is more than just a phone number—it’s a legal emergency line. When you call, you’ll speak directly with Ralph Manginello or Lupe Peña, not a call center or case manager. We understand that accidents don’t happen on a 9-to-5 schedule, and neither do we.

We Fight Insurance Companies with Insider Knowledge

Lupe Peña spent years working for insurance companies, learning their tactics from the inside. Now, he uses that knowledge to fight for you. He knows:

  • How they calculate settlement values
  • Which doctors they use for “independent” medical exams
  • How they build comparative fault arguments
  • How to counter their delay tactics
  • How to maximize your claim value

This insider advantage is something no other firm in Comal County can offer.

We Prepare Every Case for Trial

While most cases settle, we prepare every case as if it’s going to trial. This approach gives us leverage in negotiations and ensures that we’re ready to fight for you in court if necessary. Insurance companies know we’re not bluffing—they know our track record of taking cases to trial and winning.

We Handle the Complex Cases Others Won’t Touch

From trucking accidents on I-35 to complex product liability cases involving autonomous vehicles, we have the experience and resources to handle even the most challenging cases. Our involvement in the BP explosion litigation demonstrates our ability to take on billion-dollar corporations and win.

We Speak Your Language

With Lupe Peña’s fluency in Spanish and our bilingual staff, language is never a barrier at Attorney911. We understand the unique needs of our Hispanic community and are committed to providing culturally sensitive legal representation.

We’re Part of Your Community

Attorney911 isn’t just a law firm—we’re your neighbors. We understand the unique challenges of living in Comal County, from the dangers of I-35 to the influx of tourist traffic during Wurstfest and other local events. We’re committed to making our community safer and helping our neighbors when they’re injured.

Client Testimonials: Hear From Those We’ve Helped

At Attorney911, we let our clients speak for us. Here’s what some of them have to say about their experience:

“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

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

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

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

“I lost everything… my car was at a total loss and because of Attorney Manginello and my case worker Leonor… 1 year later I have gained so much in return plus a brand new truck.” – Kiimarii Yup

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

“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

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

“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

Take Action Now: Call 1-888-ATTY-911

If you’ve been injured in a car accident in New Braunfels or anywhere in Comal County, don’t wait—call Attorney911 now at 1-888-ATTY-911. Here’s why you should call us today:

  1. Evidence disappears daily: Surveillance footage, witness memories, and electronic data can be lost forever if you wait.
  2. Insurance companies are already building their case against you: The sooner we start working on your case, the better we can protect your rights.
  3. You need medical treatment: We can help you get the care you need, even if you don’t have insurance.
  4. You have questions that need answers: We offer free consultations to help you understand your rights and options.
  5. You need peace of mind: Let us handle the legal details so you can focus on your recovery.

When you call 1-888-ATTY-911, you’ll speak directly with Ralph Manginello or Lupe Peña. We’ll listen to your story, answer your questions, and explain your options—all at no cost to you.

Remember, we work on a contingency fee basis—you pay nothing unless we win your case. There’s no risk to you, and no obligation. But there’s a lot to gain: the compensation you deserve, the medical treatment you need, and the peace of mind you crave.

Don’t let insurance companies take advantage of you. Don’t let evidence disappear. Don’t let your rights expire. Call Attorney911 now at 1-888-ATTY-911. We’re here to help, 24 hours a day, 7 days a week.

Serving New Braunfels and All of Comal County

Attorney911 serves clients throughout Comal County, including:

  • New Braunfels
  • Bulverde
  • Garden Ridge
  • Spring Branch
  • Fischer
  • Startzville
  • Sattler
  • Smithson Valley
  • Canyon Lake
  • And all surrounding areas

Whether your accident happened on I-35, Loop 337, FM 306, or any other road in Comal County, we’re here to help. We also serve clients throughout Texas from our offices in Houston, Austin, and Beaumont.

Contact Attorney911 Today

Phone: 1-888-ATTY-911 (1-888-288-9911)
Website: https://attorney911.com
Contact Page: https://attorney911.com/contact/

Houston Office:
The Manginello Law Firm, PLLC
Attorney911
3200 Travis St, Suite 220
Houston, TX 77006

Austin Office:
Serving Travis, Williamson, Hays, and Bastrop Counties

Beaumont Office:
Serving Jefferson, Orange, and Hardin Counties

Don’t wait—call 1-888-ATTY-911 now for your free consultation. We don’t get paid unless we win your case. Se habla español.