If you’ve been hurt in a car accident in Ravenna, Texas, you’re probably terrified, overwhelmed, and wondering what to do next. One moment you were driving down SH 50 or heading toward Bonham for errands, and the next your world has been turned upside down. The pain is real, the medical bills are piling up, and the insurance company that seemed so friendly on day one is already making you doubt whether they’ll cover anything at all. We understand what you’re going through. At Attorney911, we help families across Fannin County recover from motor vehicle accidents every single day, and we’ve recovered millions of dollars for people just like you. Call us now at 1-888-ATTY-911—this is a legal emergency, and we’re here 24/7 to help.
The Stark Reality of Car Accidents in Ravenna and Fannin County
While Ravenna is a small, close-knit community of just over 200 people, our rural roads tell a dangerous story. In 2024, Texas saw 4,150 people killed on our roads—one death every 2 hours and 7 minutes. Fannin County may not have Harris County’s volume, but our rural crashes are statistically far more lethal. Across Texas, rural crashes are 2.66 times more likely to be fatal than urban ones, despite having fewer total crashes. When accidents happen on farm-to-market roads like FM 64 near Ravenna or on SH 34 heading toward Ladonia, the combination of higher speeds, limited lighting, and longer EMS response times creates a deadly equation.
The contributing factors we see most in North Texas include failed to control speed (131,978 crashes statewide), driver inattention (81,101 crashes), and unsafe lane changes (50,287 crashes). But here in Fannin County, we face unique challenges: agricultural equipment on roadways, wildlife crossings, weather-related hazards, and drivers who think empty country roads mean they can speed safely. The Texas Department of Transportation reported that single-vehicle run-off-road crashes killed 1,353 people statewide in 2024, making it the #1 killer on Texas roads, and these are disproportionately common on our rural two-lane highways around Ravenna.
Insurance Companies Are Not Your Friends—They’re Building a Case Against You
Here’s what most Ravenna residents don’t realize until it’s too late: the insurance adjuster who calls you the day after your accident, sounding so concerned and helpful, has one job—to minimize what they pay you. We know this because our firm includes a former insurance defense attorney, Lupe Peña, who spent years working for a national defense firm learning exactly how large insurance companies value claims. He knows their playbook from the inside, and now he uses that classified intelligence to protect injury victims across Fannin County.
The Friendly Adjuster Trap: They contact you while you’re still in shock, sometimes even while you’re in the emergency room in Bonham or being transported to a Sherman hospital. They ask seemingly innocent questions that are designed to get you to minimize your injuries on record. “You’re feeling better though, right?” “It wasn’t that bad?” Every word is recorded and will be used against you later.
The Quick Settlement Offer: Within days, they’ll offer you $2,000-$5,000 hoping you’re desperate enough to take it. They’ll say things like, “This offer expires in 48 hours.” What they don’t tell you is that if you accept and sign that release, you cannot come back for more money—even if you discover a week later that you need surgery for a herniated disc that costs $100,000.
The Surveillance Game: Insurance companies routinely hire private investigators to follow injury victims around Ravenna and Bonham, filming them grocery shopping or playing with their kids at the park. They take one frame where you’re bending over to pick something up and claim you’re not really injured. As Lupe explains from his insider experience, “I’ve reviewed hundreds of surveillance videos and social media posts as defense attorney. They take innocent activity out of context. They freeze ONE frame of you moving ‘normally’ and ignore the 10 minutes of you struggling before and after.”
The Medical Authorization Trap: They’ll ask you to sign a broad medical release “just to verify your treatment.” What they’re really doing is fishing through your entire medical history from 10 years ago, looking for any pre-existing condition they can blame your injuries on.
The IME Doctor: After a few months, they’ll send you to an “independent medical exam” with a doctor they’ve paid thousands of dollars to give them the report they want. These exams last 10-15 minutes, and the doctor almost always concludes you’re either exaggerating or your injuries are pre-existing. Lupe knows these specific doctors and their biases—he hired them for years when he worked defense.
We stop these tactics cold. When you hire Attorney911, all calls go through us. We become your shield and your voice. Lupe’s insider knowledge means we don’t just react to insurance company strategies—we anticipate them and defeat them before they can hurt your case.
Rear-End Collisions: The Most Common—and Least Defensible—Accidents Near Ravenna
Rear-end collisions happen every day on SH 50, especially near the intersection with FM 64 where traffic backs up unexpectedly. In 2024, failed to control speed caused 131,978 crashes across Texas, and followed too closely caused another 21,048. The presumption of fault lies with the trailing driver in nearly every case under Texas law.
But here’s what makes these cases so dangerous: many victims think they’re “fine” initially. Adrenaline masks pain. Then days or weeks later, the headaches start. Neck stiffness becomes unbearable. An MRI reveals a herniated disc requiring epidural injections or even spinal fusion surgery. A case that might have settled for $15,000-$60,000 in soft tissue damages suddenly becomes worth $346,000 to over $1 million once surgery is required.
We recently settled a case in the millions where a client’s leg injury from a rear-end collision became infected during treatment, ultimately requiring partial amputation. What started as a “simple” rear-end crash became a life-altering catastrophic injury case.
Who’s Liable in Rear-End Cases:
- The trailing driver (almost always)
- The trailing driver’s employer if they were working
- The vehicle manufacturer if brake failure caused the crash
- A government entity if a road defect contributed
Our Advantage: Lupe handled rear-end defense cases for years. He knows how insurance companies try to argue “sudden emergency” or claim the lead driver stopped too quickly. We counter with accident reconstruction, EDR data showing speed, and expert testimony. As MONGO SLADE, one of our clients, said: “I was rear-ended and the team got right to work…I also got a very nice settlement.” Chavodrian Miles told us: “Leonor got me into the doctor the same day…it only took 6 months amazing.”
If you’ve been rear-ended near Ravenna, don’t wait. Evidence disappears fast. Call 1-888-ATTY-911 immediately.
Single-Vehicle and Run-Off-Road Crashes: When It’s Not Your Fault
You might think a single-vehicle crash means you have no case. In Ravenna and across rural Fannin County, that’s often not true. In 2024, failed to drive in a single lane caused 800 fatal crashes statewide—the #1 factor in Texas traffic fatalities. These crashes are epidemic on rural roads where drivers fall asleep, get distracted, or swerve to avoid hazards.
But many single-vehicle accidents around Ravenna are caused by:
- Defective road conditions—potholes on FM roads, missing guardrails on SH 34 curves, shoulder drop-offs that haven’t been maintained
- Vehicle defects—tire blowouts, steering failure, brake failure
- Another driver who forced you off the road then fled (phantom vehicle)
- Employer liability if you were driving a company vehicle
The Texas Tort Claims Act allows us to sue government entities like TxDOT or Fannin County if their failure to maintain safe roads caused your crash. But there’s a critical 6-month notice requirement—miss it and your claim is barred forever.
We recently handled a case where a client injured his back while lifting cargo on a ship. Our investigation revealed he should have been assisted, and we reached a significant cash settlement. The same investigative approach applies to single-vehicle crashes—we preserve the vehicle, examine it for defects, subpoena road maintenance records, and identify every possible liable party.
Evidence disappears fast: Road hazards get “fixed” quietly. Vehicle black box data is overwritten in 30-180 days. Witnesses move away. If you’ve been in a single-vehicle crash near Ravenna, call us TODAY at 1-888-ATTY-911 before evidence vanishes.
Head-On Collisions: The Deadliest Crashes on North Texas Roads
Head-on collisions are mercifully rare around Ravenna, but when they happen, they’re almost always catastrophic. In 2024, wrong-side—not passing crashes killed 177 people (9.9% fatality rate), and wrong-way on one-way road crashes killed another 82. Head-on crashes totaled 617 deaths statewide.
These crashes combine near-automatic liability with life-altering injuries. The $30K problem is especially severe here—Texas minimum auto insurance is $30,000 per person, but head-on injuries routinely cost $200,000 to $7 million. That’s why our collection strategy looks far beyond the at-fault driver’s policy.
The Maximum Recovery Stack for Head-On Cases:
- Driver’s personal auto policy (often just $30K)
- Dram shop claim if DUI was involved (commercial policies $1M+)
- UM/UIM on your own policy (critical and underutilized)
- Employer policy if driver was working
- Punitive damages—if DUI is charged as a felony, there is NO CAP on punitive damages
Punitive damages serve as punishment. Under Texas law, if the underlying act is a felony—like intoxication assault or intoxication manslaughter—the standard caps don’t apply. The jury decides the amount with no statutory limit. These damages also survive bankruptcy, meaning even if the defendant files Chapter 7, the punitive judgment remains collectible.
Ralph Manginello’s 27+ years of experience includes handling some of Texas’s most serious cases. Our firm is one of the few in Texas to be involved in the BP explosion litigation—a $2.1 billion case that killed 15 workers. We bring that same level of aggressive investigation and trial preparation to every head-on collision case in Fannin County.
Criminal Defense + Civil Recovery: Ralph’s membership in the Harris County Criminal Lawyers Association means we handle BOTH the civil injury case AND any related criminal charges. We have three documented DWI dismissals where we exposed police failures, missing evidence, and video proof that our clients weren’t intoxicated. This dual capability is critical in DUI-related head-on crashes.
If you or a loved one has been hit head-on near Ravenna, you need a firm that understands how to build the full recovery stack. Call 1-888-ATTY-911. The consultation is free, and we don’t get paid unless we win.
Commercial Truck and 18-Wheeler Accidents: The Nuclear Cases
Texas leads the nation in trucking accidents, and Fannin County’s location on major freight routes means our rural roads see more than our share of dangerous truck traffic. In 2024, Texas had 39,393 commercial vehicle accidents, killing 608 people. That’s one trucking death every 14 hours. For every 100 truck accidents, 97 deaths are car occupants—not truck drivers. Car occupants are 36.5 times more likely to die when hit by a truck.
Why Trucking Cases Are Worth Multi-Millions: The federal minimum insurance for interstate trucks is $750,000, but most major carriers carry $1 million to $5 million in coverage. These cases involve complex federal regulations (FMCSA) that create multiple avenues for liability and massive settlements.
The Deep Pocket Chain in Trucking Cases:
- Truck driver—direct negligence (speed, fatigue, distraction)
- Motor carrier/trucking company—respondeat superior + direct negligence in hiring, supervision, maintenance
- Freight broker—negligent selection of unsafe carrier
- Cargo shipper/loader—improper loading, overweight
- Maintenance provider—failed inspections, faulty repairs
- Vehicle/parts manufacturer—defective brakes, tires, steering
- Government entity—road defects (Tort Claims Act)
Federal Regulations Violations = Negligence Per Se:
- Hours of Service: Maximum 11 hours driving after 10 hours off-duty; cannot drive past 14th consecutive hour; 30-minute break required after 8 hours
- ELD Mandate: Electronic logging devices required since December 2017; data must be preserved 6 months
- Commercial BAC Limit: 0.04% (half the normal limit)
- Drug Testing: Pre-employment, random, post-accident, reasonable suspicion
The MCS-90 Endorsement is the ultimate collection safety net—federal law requires it on interstate carrier policies, guaranteeing payment to injured third parties even if the policy would otherwise exclude coverage.
Our Trucking Advantage: Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas. Federal court admission is essential for trucking cases involving interstate commerce. Our firm’s experience in the BP explosion litigation—where we took on a $2.1 billion case against a multinational corporation—proves we have the resources and expertise to battle Fortune 500 trucking companies.
Lupe’s defense background is a game-changer here. He understands how trucking insurers set reserves, when settlement authority increases, and which experts they fear most. At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.
Evidence Preservation is CRITICAL: ELD/black box data is deleted in 30-180 days. Driver logs can be altered. Dashcam footage is overwritten. The moment you hire us, we send preservation letters that legally require the trucking company to maintain all evidence. We also inspect the truck, download electronic data, review driver qualification files, and analyze FMCSA compliance records.
Texas Nuclear Verdicts: Our state leads the nation in $10M+ verdicts. 2024 saw a $105 million verdict against an Amazon DSP, $44.1 million for an I-35 pileup, and $37.5 million against Oncor Electric. Insurance companies know Attorney911 prepares every case as if it’s going to trial. They settle bigger because they fear our trial readiness.
If a truck hit you near Ravenna, call 1-888-ATTY-911 immediately. Every day you wait, evidence disappears.
Rideshare Accidents: Uber, Lyft, and the Hidden $1 Million Policy
Rideshare accidents are the most misunderstood and underrepresented cases in Texas personal injury law—and they happen here in Fannin County more than you’d think, especially with people using Uber to get to Bonham or from the Sherman-Denison area.
The Three-Tier Insurance System Nobody Understands:
| Driver Status | Coverage |
|---|---|
| App Off | Personal insurance only ($30K minimum) — often excludes commercial use |
| App On, Waiting for Ride | Contingent coverage: $50,000/$100,000/$25,000 |
| Ride Accepted or Passenger Onboard | Full commercial: $1,000,000 liability + $1,000,000 UM/UIM |
58% of rideshare crash victims are third parties—other drivers, pedestrians, cyclists. Most don’t realize they have access to that $1 million policy.
The “independent contractor” shield is crumbling. Texas courts apply a multi-factor control test: Uber/Lyft set pricing, routes, acceptance rates, ratings, and can deactivate drivers. More control = stronger argument for employer liability.
Our Unique Expertise: Lupe understands how rideshare insurers investigate claims differently than traditional auto insurers. He knows they monitor driver app activity, GPS data, and passenger ratings—evidence we preserve immediately.
If you were hit by an Uber or Lyft driver near Ravenna, or if you were a passenger injured in a rideshare crash, call 1-888-ATTY-911. Determining which insurance tier applies is complex and time-sensitive. We handle it all.
DUI and Dram Shop Cases: Holding Drunk Drivers AND Bars Accountable
In 2024, 1,053 people were killed in DUI-alcohol crashes in Texas—one every 8.3 hours. Fannin County’s rural roads see their share of drunk driving, especially on weekends when people drive back from Bonham or Sherman bars. The peak time is 2:00-2:59 AM Sunday—right when Texas bars close under TABC regulations.
Why DUI Cases Are Our Most Powerful Cases: Criminal conviction = negligence per se (automatic liability). But the real value lies in the Maximum Recovery Stack:
- Drunk driver’s auto policy ($30K-$60K typical)
- Dram shop claim against the bar—Texas Alcoholic Beverage Code § 2.02 allows us to sue establishments that served an obviously intoxicated person. Commercial policies are $1 million+
- Your UM/UIM coverage (stacked across multiple policies if available)
- Punitive damages—NO CAP if charged as felony (intoxication assault or manslaughter)
- Defendant’s personal assets (judgment lasts 10 years, renewable)
The Dram Shop Timeline: Every 2 AM DUI crash involves a bar that served the driver. We investigate where the driver was drinking, interview witnesses about visible intoxication (slurred speech, stumbling, bloodshot eyes), and preserve video evidence from the establishment.
Our Criminal Defense Advantage: Ralph’s HCCLA membership means we handle BOTH the civil injury case AND any criminal charges. We have three documented DWI dismissals where we exposed breathalyzer maintenance failures, missing evidence, and video proof clients weren’t intoxicated. This dual capability is unmatched in Fannin County.
The Safe Harbor Defense: Bars can avoid liability if all servers completed TABC training, the business didn’t pressure over-service, and policies were followed. We know how to pierce this defense because Lupe defended these cases for years.
If a drunk driver hit you near Ravenna, call 1-888-ATTY-911 immediately. Evidence from bars disappears in days. We send preservation letters to preserve video, receipts, and witness statements.
Motorcycle, Bicycle, and Pedestrian Accidents: Vulnerable Road Users
Motorcycles: Texas saw 585 rider deaths in 2024. The #1 cause? Cars turning left in front of bikes. Forty percent of fatal motorcycle crashes happen at intersections. The $30K minimum insurance problem is catastrophic here—motorcycle injuries routinely exceed $200,000 but at-fault drivers often carry minimal coverage. Your UM/UIM on your motorcycle policy is critical, and stacking with auto UM/UIM may be available.
Lupe’s insurance defense experience includes defending left-turn cases where insurers argue the motorcyclist was speeding. We counter with accident reconstruction and expert speed analysis. As one client, Donald Wilcox, told us: “One company said they would not accept my case. Then I got a call from Manginello Law Firm…I got a call to come pick up this handsome check.”
Pedestrians: Texas had 768 pedestrian deaths in 2024—19% of all roadway deaths from just 1% of crashes. A pedestrian crash is 28.8 times more likely to be fatal than a car-to-car crash. Seventy-five percent happen after dark, and 84% occur in urban areas (but rural pedestrians face even worse outcomes due to higher speeds and delayed EMS).
CRITICAL LEGAL POINT: Most pedestrians don’t know their own auto insurance UM/UIM covers them even when they’re not in a vehicle. This is the most underutilized fact in Texas personal injury law. If you were hit walking near Ravenna, your policy may provide $100,000+ in coverage the insurance company won’t tell you about.
Bicycles: Texas had 78 cyclist deaths in 2024. Insurance companies aggressively push comparative fault, claiming cyclists “failed to yield.” Under Texas’s 51% bar rule, even if you were 25% at fault, you still recover 75% of your damages. We fight these blame-shifting tactics because Lupe used them for years on the defense side.
If you’re a vulnerable road user injured near Ravenna, call 1-888-ATTY-911. We know how to maximize recovery when insurance tries to minimize your claim.
Delivery Vehicle Accidents: Amazon, FedEx, UPS, and the DSP Problem
Delivery vehicles are everywhere now—even in rural Fannin County. They back into driveways on narrow Ravenna streets, speed to meet quotas, and create hazards on roads not designed for heavy truck traffic. In Texas, “backed without safety” caused 8,950 crashes. UPS alone had 72 fatal and 830 injury crashes in a recent 24-month period. FedEx had 37 fatal and 611 injury crashes.
Amazon DSP Piercing Strategy: Amazon claims its Delivery Service Partners are “independent contractors,” but we document Amazon’s control: delivery quotas, routing software, branded uniforms, surveillance cameras inside vans (“Driveri” AI cameras), driver scorecards, and deactivation power. The more control we prove, the stronger our argument that Amazon is a de facto employer.
Key Verdicts: 2024 Georgia—$16.2 million against Amazon (85% responsible). 2024 Lopez v. All Points 360 (Amazon DSP)—$105 million. These nuclear verdicts prove juries hold Amazon accountable.
Evidence in Delivery Cases: We preserve GPS data, delivery app logs, camera footage, maintenance records, and driver employment files. Lupe knows which records delivery companies try to hide and how to force disclosure.
If an Amazon, FedEx, or UPS truck hit you near Ravenna, call 1-888-ATTY-911. These are complex, high-value cases requiring immediate action.
What You Can Recover: Damages in Texas MVA Cases
Texas law allows recovery of both economic and non-economic damages. Economic damages have NO CAP and include:
- Medical expenses (past and future)
- Lost wages and lost earning capacity
- Property damage
- Out-of-pocket costs
Non-economic damages (also NO CAP except med mal):
- Pain and suffering
- Mental anguish
- Physical impairment
- Disfigurement
- Loss of consortium
- Loss of enjoyment of life
Settlement ranges we see:
- Soft tissue injuries: $15,000-$60,000
- Surgical fractures: $132,000-$328,000
- Herniated disc with surgery: $346,000-$1,205,000
- Traumatic brain injury: $1,548,000-$9,838,000
- Wrongful death (working adult): $1,910,000-$9,520,000
The Multiplier Method: Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage. Multipliers range from 1.5x for minor injuries to 5x+ for catastrophic. Lupe calculated these multipliers for years—he knows when to demand higher multipliers and how to document to support them.
Punitive Damages: Available for gross negligence. NO CAP if the act is a felony (DWI causing serious injury or death). These damages survive bankruptcy.
Every case is unique. Past results don’t guarantee future outcomes, but they show our capability. As Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Manginello Law Firm were able to help me out.” We take cases others reject and win.
Why Attorney911 Is Different: The 12 Strategic Advantages
- Former Insurance Defense Attorney: Lupe Peña’s insider knowledge from years at a national defense firm is your unfair advantage.
- BP Explosion Litigation: One of few firms involved in the $2.1B case—proves we can take on billion-dollar corporations.
- Federal Court Admitted: Both attorneys admitted to U.S. District Court, Southern District of Texas—essential for complex trucking and maritime cases.
- $10 Million Active Case: Our 2025 hazing lawsuit against University of Houston and Pi Kappa Phi shows we’re not afraid of major institutions.
- Dual State Licensing: Ralph holds TX and NY bars for multi-state cases.
- Trae Tha Truth Endorsement: Houston hip-hop artist and community activist publicly recommends us—powerful social proof.
- Cases Others Reject: Multiple reviews describe us taking cases dropped by other attorneys and winning.
- Million Dollar Member: Trial Lawyers Achievement Association requires $1M+ verdicts.
- Pro Bono College: State Bar of Texas recognizes our charitable work.
- 290+ Educational Videos: More educational content than any competitor.
- 24/7 Live Staff: Not an answering service—real people helping at 1-888-ATTY-911.
- Spanish Services: Lupe fluent, staff members like Zulema provide translation—“Hablamos Español.”
As Chelsea Martinez shared: “Special thank you to my attorney, Mr. Pena, for your kindness and patience with my repeated questions.” As Chad Harris wrote: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”
The 48-Hour Protocol: What to Do After an Accident in Ravenna
Hour 1-6:
- Get to safety
- Call 911
- Seek medical attention (even if you feel okay—adrenaline masks injuries)
- Document everything: photos of damage, scene, injuries
- Exchange information
- Get witness names and numbers
- Call 1-888-ATTY-911 before talking to any insurance company
Hour 6-24:
- Preserve all texts, calls, photos
- Keep damaged items—don’t repair your vehicle yet
- Request ER records
- Note all insurance calls but don’t give statements
- Make social media private—don’t post about the accident
Hour 24-48:
- Contact us for free consultation
- Refer all insurance calls to us
- Do NOT accept any settlement offers
- Upload evidence to cloud, write timeline while fresh
Evidence Disappears Fast: Surveillance footage is deleted in 7-30 days. ELD/black box data is overwritten in 30-180 days. Witnesses move or forget. The sooner you call, the stronger your case.
Texas Legal Framework: Your Rights and Protections
Statute of Limitations: You have 2 years from the accident date to file a personal injury lawsuit. If you miss it, your case is barred forever.
Comparative Negligence (51% Bar): If you’re 50% or less at fault, you recover damages reduced by your fault percentage. If you’re 51% at fault, you recover nothing. Insurance tries to push you over that 51% threshold—we fight back with evidence.
Dram Shop Act: Bars that serve obviously intoxicated patrons can be held liable. Signs of obvious intoxication include slurred speech, stumbling, bloodshot eyes. The safe harbor defense requires TABC training, but we know how to pierce it.
Stowers Doctrine: If we make a settlement demand within policy limits and the insurer unreasonably refuses, they become liable for the ENTIRE verdict—even amounts exceeding the policy. This is our nuclear option for clear liability cases.
UM/UIM Coverage: Texas insurers must offer uninsured/underinsured motorist coverage. It covers you as a pedestrian, cyclist, or passenger. Stacking across multiple policies may be available.
Punitive Damages: Capped at $200,000 or (2x economic) + non-economic (capped at $750K), but NO CAP for felony DWI.
Common Injuries: The Medical Reality Behind the Legal Claims
Traumatic Brain Injury: Immediate symptoms include loss of consciousness, confusion, vomiting. Delayed symptoms can appear days later: worsening headaches, seizures, personality changes, memory problems. Long-term effects include CTE, doubled dementia risk, and depression. Insurance claims delayed symptoms aren’t from the accident—we counter with medical experts who explain the normal progression.
Spinal Cord Injury: High cervical injuries cost $6M-$13M+ lifetime. Paraplegia costs $2.5M-$5.25M+. Complications include pressure sores, respiratory failure, and shortened life expectancy.
Amputation: Traumatic or surgical (from infection). Prosthetic costs: $500K-$2M lifetime. Phantom limb pain affects 80% of amputees.
Herniated Discs: Treatment escalates from conservative ($70K case value) to surgical ($346K-$1.2M). Insurance undervalues these until surgery is documented.
PTSD: 32-45% of MVA victims develop PTSD symptoms. It’s compensable as mental anguish, but requires proper psychiatric documentation.
Frequently Asked Questions: Car Accidents in Ravenna, Texas
Q: What should I do immediately after a car accident in Ravenna?
A: Get to safety, call 911, seek medical attention, document everything with photos, exchange information, get witness names, and CALL 1-888-ATTY-911 before speaking to any insurance company. See our video “What Should I Do First After an Accident?” at https://www.youtube.com/watch?v=OCox4Lq7zBM
Q: Should I talk to the other driver’s insurance adjuster?
A: No. They are trained to get you to minimize your injuries on record. Once you hire Attorney911, all calls go through us. We become your voice.
Q: How much is my case worth?
A: It depends on injury severity, medical costs, lost wages, and pain and suffering. Soft tissue cases: $15K-$60K. Surgical cases: $132K-$1.2M+. Catastrophic injuries: $1.5M-$10M+. Our case results show multi-million dollar settlements for serious injuries.
Q: What if I was partially at fault?
A: Texas uses modified comparative negligence. If you’re 50% or less at fault, you recover damages reduced by your fault percentage. If you’re 51% at fault, you get nothing. Insurance tries to push you over 51%—we fight back with evidence.
Q: How long do I have to file a lawsuit?
A: 2 years from the accident date for personal injury. 6-month notice requirement for claims against government entities. Missing the deadline bars your case forever.
Q: Can I sue the bar that served a drunk driver who hit me?
A: Yes, under the Texas Dram Shop Act if the bar served an obviously intoxicated person. This adds a $1M+ commercial policy on top of the driver’s insurance. Every 2 AM DUI crash involves a bar—we investigate where the driver was drinking.
Q: What if the other driver was uninsured?
A: Your own UM/UIM coverage applies—and it covers you as a pedestrian too. Many clients don’t know this. We also investigate other liable parties and dram shop claims.
Q: How much do you charge?
A: Contingency fee—33.33% before trial, 40% if trial. You pay nothing upfront. “We don’t get paid unless we win your case.”
Q: Will my case go to trial?
A: Most settle, but we prepare every case as if it’s going to trial. Insurance companies settle bigger when they know you’re ready. Our trial readiness is proven by multi-million dollar results.
Q: Who will handle my case?
A: Ralph Manginello, managing partner with 27+ years, and Lupe Peña, our former insurance defense attorney. You’ll also work with dedicated case managers like Leonor, who clients consistently praise. As Brian Butchee said: “Melanie was excellent. She kept me informed and when she said she would call me back, she did.”
Q: Do you speak Spanish?
A: Yes. Lupe Peña is fluent and our staff includes bilingual team members like Zulema. As Celia Dominguez shared: “Especially Miss Zulema, who is always very kind and always translates.”
Q: What if another attorney dropped my case?
A: We take cases other attorneys reject. As Greg Garcia told us: “In the beginning I had another attorney but he dropped my case although Manginello Law Firm were able to help me out.” As CON3531 said: “They took over my case from another lawyer and got to working on my case.”
Q: How long will my case take?
A: Many cases resolve in 6-10 months. Complex cases or those requiring litigation can take 12-24 months. As Tymesha Galloway shared: “Leonor is the best!!! She was able to assist me with my case within 6 months.”
Q: What if I was hit by a government vehicle?
A: The Texas Tort Claims Act allows claims but caps damages at $250,000 per person/$500,000 per occurrence for state/county entities, and $100K/$300K for municipalities. There’s a 6-month notice requirement—miss it and your claim is barred.
Q: What if the other driver fled?
A: This is a hit-and-run. Your UM coverage applies. We investigate surveillance footage (deleted in 7-30 days), witness statements, and police reports to identify the driver.
Q: Can I switch attorneys if I’m unhappy?
A: Yes. We take over cases from other firms regularly. As Angel Walle said: “They solved in a couple of months what others did nothing about in two years.”
Q: What should I do about social media?
A: Make all profiles private immediately. Do not post about your accident, injuries, or activities. Tell friends not to tag you. Assume everything you post is being monitored by insurance investigators.
Q: What is a Stowers demand?
A: If we make a settlement demand within policy limits and the insurer unreasonably refuses, they become liable for the ENTIRE verdict—even above policy limits. This is our nuclear option for clear liability cases.
Q: What if I have a pre-existing condition?
A: The eggshell plaintiff rule says the defendant takes you as you find them. If the accident worsened a pre-existing condition, you’re entitled to full compensation for the worsening. Insurance tries to blame everything on pre-existing conditions—we fight back with medical experts.
Q: How do you prove pain and suffering?
A: Through medical records, doctor testimony, your testimony, family/friend observations, and expert life care planners. We document the impact on your daily life, sleep, relationships, and ability to enjoy activities.
Q: What if I was a passenger in the at-fault vehicle?
A: You can still file a claim against the driver’s insurance. This includes UM/UIM if the driver was uninsured. We handle these delicate cases with sensitivity.
Q: Can undocumented immigrants file claims?
A: Yes. Immigration status does not affect your right to compensation. We represent all injured people regardless of status.
Q: What if the other driver died?
A: You can still file a claim against their estate and insurance policies. We handle these cases compassionately while protecting your rights.
Why Ravenna Families Choose Attorney911
Ravenna is more than a location to us—it’s part of the Texas community we serve. While our primary office is in Houston at 1177 West Loop S, Suite 1600, we regularly handle cases throughout North Texas, including Fannin County. We know the roads you drive, from SH 50 to FM 64 to the curves on SH 34 near the Red River. We understand that when you’re injured in a rural area, you face unique challenges: longer drives to medical care in Sherman or Dallas, limited local resources, and insurance companies that think you won’t fight back.
Our Commitment to Fannin County:
- We travel to you for consultations and depositions
- We know the Fannin County court system and local procedures
- We understand the economic impact of injuries in agricultural and small-town economies
- We provide 24/7 access—not an answering service, but real staff who know your case
As Glenda Walker said: “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.”
As Ernest Cano shared: “Mr. Maginello and his firm are first class. Will fight tooth and nail for you.”
The Attorney911 Difference: Real Results, Real People
Multi-Million Dollar Settlement for Brain Injury: “Multi-million dollar settlement for client who suffered brain injury with vision loss when log dropped on him at logging company.”
Car Accident Amputation Case: “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.”
Trucking Wrongful Death: “At Attorney911, our personal injury attorneys have helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation.”
Maritime Back Injury: “In a recent case, our client injured his back while lifting cargo on a ship. Our investigation revealed that he should have been assisted in this duty, and we were able to reach a significant cash settlement.”
BP Explosion Litigation: “Our firm is one of the few firms in Texas to be involved in BP explosion litigation.” This $2.1 billion case killed 15 and injured 180+. It proves we can take on the largest corporations and win.
Criminal Defense Victories:
- DWI breathalyzer case dismissed due to improper police maintenance
- DWI case dismissed on trial day due to missing breath/blood tests and hospital notes
- DWI video case dismissed because client didn’t appear drunk
- Drug charges deferred adjudication (faced 5-99 years, now charges will be dismissed)
Active Litigation: Our $10 million hazing lawsuit against University of Houston and Pi Kappa Phi (filed November 2025) demonstrates we’re not afraid to take on major institutions.
Call Now: Evidence Disappears Every Day You Wait
If you’ve been in a car accident, truck crash, motorcycle collision, or any motor vehicle accident in Ravenna or anywhere in Fannin County, time is not on your side. Here’s what’s happening right now while you wait:
- Surveillance footage is being deleted (7-30 days)
- ELD/black box data is being overwritten (30-180 days)
- Witness memories are fading
- Insurance is building their case against you
- The 2-year statute of limitations is ticking
You wouldn’t go to war without intelligence. Why fight an insurance company without someone who knows their playbook? Lupe Peña worked for the other side. He calculated their reserves, hired their IME doctors, and deployed their delay tactics. Now he uses that insider knowledge to fight FOR you.
Call 1-888-ATTY-911 (1-888-288-9911) now. The consultation is free. We don’t get paid unless we win. We serve Ravenna and all of Fannin County from our Houston, Austin, and Beaumont offices, and we’ll travel to you. Hablamos Español.
Don’t let insurance companies take advantage of you. Don’t let evidence disappear. Don’t wait until it’s too late. One call puts Ralph Manginello’s 27+ years of experience, Lupe’s insider defense knowledge, and our entire team to work for you and your family.
Attorney911—Legal Emergency Lawyers™
Houston Office: 1177 West Loop S, Suite 1600, Houston, TX 77027
Serving Ravenna, Bonham, Honey Grove, Ladonia, Pecan Gap, Dodd City, and all of Fannin County
