Motor Vehicle Accident Lawyers in Scotland, Texas | Attorney911

If you’ve been injured in a car accident in Scotland, Texas, you’re not alone. With one crash occurring every 57 seconds in Texas and over 251,977 people injured in motor vehicle accidents statewide last year, Scotland residents face real risks on our local roads. At Attorney911, we understand the physical, emotional, and financial toll these accidents take. Our team, led by Ralph Manginello with over 25 years of experience, is here to fight for the compensation you deserve.

Scotland, located in Archer County, may be a small community, but our residents travel on major routes like US-281 and FM 1954, where accidents can happen in an instant. Whether you were rear-ended on your way to work, sideswiped while running errands in Archer City, or involved in a serious collision near the county line, our Scotland car accident lawyers know how to navigate the legal system to protect your rights.

Why Scotland, Texas Accident Victims Choose Attorney911

When you’re hurt in a motor vehicle accident in Scotland, you need more than just a lawyer – you need a legal team that understands both the law and the local landscape. Here’s what sets Attorney911 apart:

1. Insurance Defense Insider Advantage

Our firm includes Lupe Peña, a former insurance defense attorney who spent years working for large insurance companies. He knows exactly how they evaluate claims, what tactics they use to minimize payouts, and how to counter their strategies. This insider knowledge is invaluable when fighting for maximum compensation.

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

This means when insurance adjusters try to lowball your claim or deny it altogether, we know their playbook because we’ve used it. Now we use that knowledge to fight for you.

2. Proven Results for Scotland Accident Victims

We don’t just talk about results – we deliver them. Our track record speaks for itself:

• Multi-million dollar settlement for a client who suffered a brain injury with vision loss
• “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”
• Millions recovered for families in trucking-related wrongful death cases
• Significant settlements in maritime injury cases

As client Glenda Walker shared: “They fought for me to get every dime I deserved.”

3. Federal Court Experience for Complex Cases

Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas. This federal court experience is crucial for complex cases like commercial trucking accidents, product liability claims, and cases involving multiple defendants.

Our firm was also one of the few involved in BP explosion litigation, demonstrating our capability to take on billion-dollar corporations and win.

4. Personal Attention You Won’t Find Elsewhere

At Attorney911, you’re not just another case number. As client Chad Harris put it: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”

You’ll work directly with our attorneys and dedicated staff like Leonor, who clients consistently praise. Stephanie Hernandez shared: “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.”

5. No Fee Unless We Win

We understand that accident victims often face financial hardship. That’s why we work on a contingency fee basis – you pay nothing unless we win your case.

“We don’t get paid unless we win your case.”

This means no upfront costs, no hourly fees, and no financial risk to you. If we don’t recover compensation for you, you owe us nothing.

Common Types of Motor Vehicle Accidents in Scotland, Texas

Scotland and Archer County see various types of motor vehicle accidents. Here are the most common we handle:

Car Accidents

Car crashes are the most frequent type of motor vehicle accident in Scotland. With US-281 running through the area and local roads like FM 1954 seeing regular traffic, collisions can happen anywhere.

Common causes include:

• Distracted driving (texting, phone use)
• Speeding
• Failure to yield right of way
• Running stop signs or red lights
• Following too closely
• Drunk or impaired driving

Injuries range from whiplash and soft tissue damage to traumatic brain injuries, spinal cord damage, and even wrongful death.

“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 Accidents

With US-281 serving as a major route for commercial traffic, trucking accidents are a serious concern in Scotland. These collisions often result in catastrophic injuries due to the size and weight disparity between trucks and passenger vehicles.

Texas leads the nation in fatal truck crashes, with 39,393 commercial motor vehicle crashes reported statewide in 2024 alone. These accidents resulted in 608 fatalities and 1,601 serious injuries.

Common causes include:

• Driver fatigue (violating Hours of Service regulations)
• Improper maintenance
• Overloaded or improperly secured cargo
• Distracted driving
• Speeding or reckless driving
• Defective truck parts

Our firm has recovered millions for victims of trucking accidents. We understand the complex regulations governing the trucking industry and know how to investigate these cases thoroughly.

Drunk Driving Accidents

Drunk driving remains a serious problem in Texas, with 1,053 alcohol-impaired driving deaths in 2024 – that’s 25.37% of all traffic fatalities. In Archer County and surrounding areas, these preventable accidents devastate families.

Texas has strong dram shop laws that can hold bars, restaurants, and other establishments liable if they serve alcohol to obviously intoxicated patrons who then cause accidents. Signs of obvious intoxication include:

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

Our firm has extensive experience with drunk driving cases, including criminal defense experience that strengthens our civil cases. We’ve successfully had DWI charges dismissed based on:

• Improperly maintained breathalyzer machines
• Missing evidence (EMS notes, hospital records)
• Video evidence showing the client wasn’t impaired

Motorcycle Accidents

Motorcycle riders face unique risks on Scotland roads. With 585 motorcyclist fatalities in Texas in 2024, these accidents often result in serious injuries.

Common causes include:

• Other drivers failing to see motorcycles
• Failure to yield right of way
• Unsafe lane changes
• Left-turn accidents
• Road hazards

Texas law requires helmets for riders under 21, but even helmeted riders can suffer traumatic brain injuries, spinal cord damage, and other catastrophic injuries.

Pedestrian Accidents

Pedestrians are especially vulnerable on Scotland roads. In 2024, Texas saw 6,095 pedestrian crashes resulting in 768 deaths – that’s 1% of crashes but 19% of all roadway fatalities.

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

Hit and Run Accidents

Hit and run accidents are particularly frustrating for victims. Nationally, someone is involved in a hit and run every 43 seconds. In Texas, leaving the scene of an accident is a serious crime:

• Death: 2nd degree felony (2-20 years prison)
• Serious bodily injury: 3rd degree felony (2-10 years)
• Minor injury: State jail felony (up to 2 years)
• Property damage: Class B misdemeanor (up to 180 days)

If you’re the victim of a hit and run in Scotland, your own uninsured motorist (UM) coverage can compensate you. We know how to navigate these complex claims and fight for the compensation you deserve.

What to Do After an Accident in Scotland, Texas

The actions you take in the hours and days following an accident can significantly impact your ability to recover compensation. Here’s what to do:

Immediate Steps (First 48 Hours)

At the Scene:

• Call 911 and report the accident
• Seek medical attention even if you feel fine (adrenaline can mask injuries)
• Document everything with photos and videos:
  • All vehicle damage (every angle)
  • The accident scene and road conditions
  • Visible injuries
  • Traffic signals and signs
• Exchange information with the other driver(s):
  • Name, phone number, address
  • Driver’s license number
  • Insurance company and policy number
  • License plate number
  • Vehicle make, model, and color
• Get names and contact information from witnesses
• Do NOT discuss fault or apologize (this can be used against you)
• Call Attorney911 immediately: 1-888-ATTY-911

Within 24 Hours:

• Preserve all digital evidence:
  • Screenshot text messages and social media posts
  • Don’t delete anything from your phone
  • Email copies to yourself as backup
• Secure physical evidence:
  • Keep damaged clothing and personal items
  • Save receipts for any accident-related expenses
• Request copies of medical records from the ER or hospital
• Follow up with your primary care physician within 48 hours
• Note any calls from insurance companies
• Do NOT give recorded statements to any insurance company
• Do NOT sign anything without consulting an attorney
• Make all social media profiles private immediately

Critical First Week Actions

Medical Follow-Up:

• Continue documenting all injuries
• See specialists if recommended by your doctor
• Follow ALL medical advice and treatment plans
• Get written work restrictions if you can’t work
• Keep a pain journal documenting your symptoms

Legal Steps:

• Contact Attorney911 for a free consultation
• We’ll send preservation letters to:
  • Other driver’s insurance company
  • Any trucking companies involved
  • Businesses near the accident scene (for surveillance footage)
  • Employers (for employment records)
  • Property owners (for security camera footage)
  • Government entities (for traffic camera footage)
  • Vehicle manufacturers (for black box data)

Evidence Preservation:

• Surveillance footage is typically deleted within 7-30 days
• ELD (Electronic Logging Device) data from trucks can be overwritten in 30-180 days
• Witness memories fade quickly
• The sooner we start investigating, the stronger your case will be

Texas Motor Vehicle Law: What Scotland Accident Victims Need to Know

Statute of Limitations

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

For wrongful death claims, the 2-year clock starts from the date of death, not the accident date.

Comparative Negligence (51% Bar Rule)

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

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

Insurance companies will try to assign maximum fault to you to reduce their payout. Even small percentages can cost you thousands:

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

Lupe’s insurance defense experience helps us counter these arguments effectively.

Minimum Auto Insurance Requirements

Texas requires minimum coverage of:

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

Unfortunately, many drivers carry only minimum coverage or no insurance at all. That’s why uninsured/underinsured motorist (UM/UIM) coverage is so important.

Uninsured/Underinsured Motorist Coverage

UM/UIM coverage protects you when:

• The at-fault driver has no insurance
• The at-fault driver has insufficient coverage
• You’re the victim of a hit and run

Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on your policy.

How Insurance Companies Try to Minimize Your Claim

Insurance companies have one goal: to pay you as little as possible. They use sophisticated tactics to achieve this, and Lupe Peña knows them all because he used them when he worked for the insurance industry.

Tactic #1: Quick Contact and Recorded Statement

Within hours or days of your accident, an insurance adjuster will contact you. They’ll sound friendly and helpful, but their goal is to get you to say something that hurts your case.

Common questions they’ll ask:

• “You’re feeling better now, right?” (They want you to say yes)
• “It wasn’t that bad of an impact, was it?” (They want to minimize the accident)
• “You were able to walk away from the scene?” (They want to suggest your injuries aren’t serious)
• “Were you distracted at all?” (They want you to admit fault)
• “How fast were you going?” (They hope you’ll overestimate)

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

Everything you say is recorded, transcribed, and will be used against you. You are NOT required to give a recorded statement to the other driver’s insurance company.

Tactic #2: Quick Settlement Offers

Within days or weeks, insurance companies often make quick settlement offers – typically $2,000-$5,000. They create artificial urgency:

• “This offer expires in 48 hours”
• “I 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 woefully inadequate if you need surgery later.

Tactic #3: “Independent” Medical Exams

Insurance companies will often require you to see a doctor of their choosing for an “Independent Medical Examination” (IME). In reality, these doctors are hired and paid by the insurance company to minimize your injuries.

What happens at an IME:

• Very brief examination (often 10-15 minutes)
• Doctor rarely reviews your complete medical history
• They look for any reason to say your injuries aren’t serious
• Common findings include:
  • “Patient has pre-existing degenerative changes” (everyone over 40 has some arthritis)
  • “Injuries consistent with minor trauma”
  • “Patient can return to full duty work”
  • “Treatment has been excessive”
  • “Subjective complaints out of proportion to objective findings” (they’re calling you a liar)

Lupe knows these doctors and their biases because he hired them when he worked for insurance companies.

Tactic #4: Surveillance and Social Media Monitoring

Insurance companies hire private investigators to:

• Video you doing daily activities
• Follow you to appointments, errands, and social events
• Look for any activity that contradicts your injury claims

They also monitor ALL your social media:

• Facebook, Instagram, TikTok, LinkedIn, Twitter/X
• They screenshot everything: posts, photos, check-ins, comments, likes
• They monitor your friends’ profiles for posts about you
• They use facial recognition to find photos you’re tagged in

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

Tactic #5: Delay and Financial Pressure

Insurance companies know that time is on their side. They’ll drag out your claim hoping you’ll get desperate:

• “Still investigating your claim”
• “Waiting for medical records” (even if you sent them months ago)
• “Reviewing your file”
• Ignoring your calls and emails

They have:

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

You have:

• Mounting medical bills
• No income if you can’t work
• Creditors threatening
• Need for money NOW

This financial pressure makes you vulnerable to accepting lowball offers.

Tactic #6: Comparative Fault Arguments

Insurance companies will try to assign you maximum fault to reduce their payment:

• “You were speeding” (even without evidence)
• “You weren’t paying attention”
• “You could have avoided this”
• “You were distracted”
• “You contributed to this accident”

With Texas’ 51% bar rule, even small fault percentages can cost you thousands.

How Attorney911 Counters Insurance Company Tactics

Our firm has a unique advantage – Lupe Peña’s years of experience working for insurance companies. He knows their playbook because he wrote it. Now he uses that knowledge to fight for victims.

How We Counter Recorded Statements

• We become your voice – all calls go through us
• You don’t talk to adjusters
• If a statement becomes necessary, we prepare you thoroughly
• We sit with you during any statements
• We know their questions because Lupe asked them for years

How We Counter Quick Settlement Offers

• We NEVER settle before you reach Maximum Medical Improvement (MMI)
• MMI is when you’ve recovered as much as medically possible
• This could be 6 months, 12 months, or longer depending on your injuries
• We know their offers are always lowball
• Lupe calculated these lowball offers for years – he knows they’re offering 10-20% of true value

How We Counter IME Doctors

• We prepare you extensively before the exam
• We send your complete medical records to the IME doctor in advance
• We challenge biased IME reports with our own medical experts
• Lupe knows these specific doctors and their biases

How We Counter Surveillance

• We educate you about surveillance risks
• We provide clear guidelines for your activities
• We explain how to document your limitations
• We counter surveillance videos with medical evidence

How We Counter Delay Tactics

• We file lawsuits to force deadlines
• We set depositions to make them produce witnesses
• We prepare for trial to show we’re serious
• Lupe understands delay tactics because he used them

How We Counter Comparative Fault Arguments

• We conduct thorough liability investigations
• We gather witness statements supporting your version
• We analyze police reports for citations against the other driver
• We use expert testimony on perception-reaction time
• Lupe knows their fault arguments because he made them for years

Types of Compensation Available for Scotland Accident Victims

If you’ve been injured in a motor vehicle accident in Scotland, you may be entitled to various types of compensation:

Economic Damages (No Cap in Texas)

• Medical Expenses (Past and Future): Hospital bills, doctor visits, surgery costs, physical therapy, medications, medical equipment
• Lost Wages: Income lost from the time of the accident until settlement or trial
• Lost Earning Capacity: If your injuries prevent you from returning to your previous job or reduce your earning potential
• Property Damage: Repair or replacement of your vehicle and other personal property
• Out-of-Pocket Expenses: Transportation to medical appointments, home modifications, household help

Non-Economic Damages (No Cap Except Medical Malpractice)

• Pain and Suffering: Physical pain from your injuries, both past and future
• Mental Anguish: Emotional distress, anxiety, depression, fear, PTSD
• Physical Impairment: Loss of physical function, disability, limitations
• Disfigurement: Scarring, permanent visible injuries affecting your appearance
• Loss of Consortium: Impact on your marriage and family relationships
• Loss of Enjoyment of Life: Inability to participate in activities you previously enjoyed

Punitive Damages (Capped)

Available in cases of gross negligence, fraud, or malice. Common in drunk driving cases. Capped at the greater of:

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

Settlement Ranges by Injury Type

Settlement values vary widely depending on the severity of your injuries, the impact on your life, and the strength of your case. Here are general ranges for common injury types:

Soft Tissue Injuries (Whiplash, Sprains, Strains)

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

Broken Bones (Single, Simple Fracture)

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

Broken Bones Requiring Surgery

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

Herniated Disc (Conservative Treatment)

• Medical Treatment: $22,000-$46,000
• Lost Wages: $8,000-$25,000
• Pain & Suffering: $40,000-$100,000
• Total Range: $70,000-$171,000

Herniated Disc Requiring Surgery

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

Traumatic Brain Injury (Moderate to Severe)

• Past Medical: $198,000-$638,000
• Future Medical: $300,000-$3,000,000+
• Lost Wages: $50,000-$200,000
• Lost Earning Capacity: $500,000-$3,000,000+
• Pain & Suffering: $500,000-$3,000,000+
• Total Range: $1,548,000-$9,838,000

Spinal Cord Injury / Paralysis

• Lifetime Care Costs: $2,500,000-$13,000,000+
• Total Range: $4,770,000-$25,880,000

Amputation

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

Wrongful Death

• Economic Damages: $1,000,000-$4,000,000+
• Non-Economic Damages: $850,000-$5,000,000
• Total Range: $1,910,000-$9,520,000

How We Calculate Your Case Value

Insurance companies use software called Colossus to calculate claim values. Lupe knows this system inside and out because he used it when he worked for insurance companies.

The basic formula is:
Total Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage

The multiplier ranges from 1.5 to 5 depending on:

• Injury severity
• Permanency of injuries
• Impact on your daily life
• Clear liability (other driver 100% at fault)
• Your credibility as a witness

Factors that increase the multiplier:

• Permanent injury or disability
• Scarring or disfigurement
• Long recovery time (12+ months)
• Surgery required
• Ongoing pain management needed
• Clear liability
• Sympathetic plaintiff (child, elderly, pregnant)
• Egregious defendant conduct (drunk driving, hit and run)
• Strong evidence (video, witnesses)
• Permanent restrictions on work/activities

Factors that decrease the multiplier:

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

Lupe knows how to present your case to justify the highest possible multiplier.

Why Choose Attorney911 for Your Scotland Accident Case

When you’re injured in a motor vehicle accident in Scotland, Texas, you have choices for legal representation. Here’s why Attorney911 stands out:

1. Insurance Defense Insider Advantage

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

This is our most powerful differentiator. Lupe spent years working for insurance companies, calculating claim values, and deploying the tactics we described earlier. Now he uses that knowledge to fight for victims, not against them.

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
• “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”
• Millions recovered for families in trucking-related wrongful death cases
• Significant settlements in maritime injury cases

As client Kiimarii Yup shared: “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.”

3. Federal Court Experience

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

• Trucking accidents (FMCSA regulations are federal)
• Product liability claims (like Tesla/Autopilot cases)
• Cases with multiple defendants
• Cases against large corporations

Our firm was also one of the few involved in BP explosion litigation, demonstrating our capability to take on billion-dollar corporations.

4. Personal Attention You Won’t Find Elsewhere

At Attorney911, you’re not just another case number. You’ll work directly with Ralph Manginello or Lupe Peña, not just paralegals or case managers.

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

5. Contingency Fee – No Risk to You

We understand that accident victims often face financial hardship. That’s why we work on a contingency fee basis:

“We don’t get paid unless we win your case.”

This means:

• No upfront costs
• No hourly fees
• No financial risk to you
• If we don’t recover compensation for you, you owe us nothing

6. Bilingual Services for Our Community

With Lupe Peña’s fluency in Spanish and our bilingual staff, we serve the diverse Scotland community. As client Celia Dominguez shared: “Especially Miss Zulema, who is always very kind and always translates.”

7. Proven Track Record of Success

With over 25 years of experience and hundreds of satisfied clients, our reputation speaks for itself. We have:

• 4.9 stars on Google with over 250 reviews
• Endorsements from community leaders like Trae Tha Truth
• A track record of taking cases to trial when necessary

Frequently Asked Questions About Motor Vehicle Accidents in Scotland, Texas

What should I do immediately after a car accident in Scotland, Texas?

If you’ve been in an accident in Scotland:

1. Call 911 and report the accident
2. Seek medical attention even if you feel fine
3. Document everything with photos and videos
4. Exchange information with the other driver
5. Get witness names and contact information
6. Do NOT give a recorded statement to any insurance company
7. Call Attorney911 immediately: 1-888-ATTY-911

Should I call the police even for a minor accident?

Yes, always call the police. In Texas, you must report accidents with:

• Injuries
• Deaths
• Property damage over $1,000

The police report is critical evidence for your claim.

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 information
• 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” (this can be used as an admission of fault)
• Do NOT give your opinion on what happened
• Stick to facts only

How do I obtain a copy of the accident report?

You can obtain the police report from the responding agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

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 or 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.

Do I have a personal injury case?

You may have a case if:

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

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

When should I hire a car accident lawyer?

Immediately. Evidence disappears daily. Insurance companies start building their defense against you from day one. Call Attorney911: 1-888-ATTY-911

How much time do I have to file (statute of limitations)?

In Texas: 2 years from the date of the accident for personal injury, 2 years from the date of death for wrongful death. Miss it and your case is 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% or more 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 in negotiations.

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

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

How much do car accident lawyers cost?

Attorney911 works 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.

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.”

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.

What if the accident happened in a parking lot?

Parking lot accidents are fully compensable. Insurance companies often argue “parking lot accidents are always 50/50 fault,” but this is not true. We prove fault through surveillance video, witness statements, damage analysis, and traffic patterns.

What if I was a passenger in the at-fault vehicle?

You can sue the driver even if you were riding with them. You’re an innocent victim. The driver’s insurance covers passengers. No comparative fault issues apply to you.

What if the other driver died in the accident?

You can still pursue a claim against the deceased driver’s estate and insurance. The insurance policy still applies. The estate may have assets. Wrongful death laws protect both sides.

What if I don’t have health insurance?

We can help you find doctors who will treat you on a lien basis – they get paid from your settlement. This means you can get the medical care you need now without upfront costs.

Can I switch doctors if I’m not happy with my current treatment?

Yes, you have the right to choose your own doctors. We can help you find specialists who understand accident injuries and will provide thorough documentation for your case.

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.

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.

What if I was hit by a government vehicle (city bus, police car, etc.)?

Government claims have special rules. You must file notice within 6 months (much shorter than the 2-year statute of limitations). Sovereign immunity protects government entities. Damage caps may apply. These cases are complex – you need an experienced attorney.

What if the other driver fled the scene (hit and run)?

File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL – most footage is deleted within 7-30 days. We send preservation letters immediately.

What if I’m not a U.S. citizen?

Your immigration status does not affect your right to compensation. We’ve successfully represented clients regardless of immigration status. Lupe is fluent in Spanish and our staff includes bilingual team members.

What if I was partially at fault but the other driver was drunk?

You can still recover even if you were partially at fault, as long as you were 50% or less responsible. Drunk driving cases often qualify for punitive damages, which can significantly increase your compensation.

What if I was hit by a delivery driver (Amazon, UPS, FedEx, etc.)?

These cases often involve multiple liable parties and higher insurance limits. We’ve recovered substantial settlements in delivery vehicle cases, including a $105 million verdict against an Amazon delivery service partner.

What if my injuries are permanent?

Permanent injuries significantly increase your case value. We work with life care planners and vocational experts to calculate the lifetime impact of your injuries, including future medical costs and lost earning capacity.

What if I can’t afford to miss work for doctor appointments?

We can help you coordinate appointments around your work schedule. Many doctors offer evening and weekend appointments. We can also help you find doctors who will treat you on a lien basis so you don’t have to pay upfront.

What if the insurance company is delaying my claim?

Insurance companies often delay claims hoping you’ll get desperate and accept a lowball offer. We file lawsuits to force deadlines and set depositions to make them produce witnesses. Lupe understands delay tactics because he used them when he worked for insurance companies.

What if I’m being offered less than my medical bills?

This is a common insurance company tactic. They often offer less than your medical bills, hoping you’ll accept out of desperation. We know how to document your full damages and fight for what your case is really worth.

What if I’m being blamed for the accident?

Insurance companies always try to assign maximum fault to you to reduce their payment. We conduct thorough liability investigations, gather witness statements, analyze police reports, and use expert testimony to prove the other driver’s fault.

What if I don’t want to go to court?

Most cases settle before trial. But we prepare every case as if it’s going to trial. This preparation gives us leverage in negotiations and shows the insurance company we’re serious.

What if I’m not happy with my current lawyer?

You have the right to switch attorneys at any time. If your current attorney isn’t communicating, isn’t fighting for you, or is pushing you to settle cheap, you can fire them and hire Attorney911. We’ve taken over many cases from other attorneys.

What if I was hit by an uninsured driver?

Your own Uninsured Motorist (UM) coverage can compensate you. Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on your policy. We know how to navigate these complex claims.

What if I was hit by a drunk driver?

Drunk driving cases often qualify for punitive damages, which can significantly increase your compensation. We also pursue dram shop claims against bars or restaurants that served the drunk driver. Our firm has extensive experience with drunk driving cases, including criminal defense experience that strengthens our civil cases.

What if I was hit by a truck?

Trucking accidents often result in catastrophic injuries due to the size and weight of commercial vehicles. These cases involve complex federal regulations and multiple liable parties. Our firm has recovered millions for victims of trucking accidents.

What if I was a pedestrian hit by a car?

Pedestrians are especially vulnerable on Scotland roads. In Texas, pedestrians ALWAYS have the right of way at intersections, even unmarked crosswalks. We’ve helped numerous pedestrian accident victims recover compensation for their injuries.

What if I was on a motorcycle when I was hit?

Motorcycle riders face unique risks on the road. Insurance companies often try to blame motorcyclists for accidents. We know how to counter these arguments and fight for the compensation you deserve.

What if I was in a rideshare (Uber/Lyft) accident?

Rideshare accidents involve complex insurance issues. Coverage depends on what the driver was doing at the time of the accident (waiting for a ride, en route to pickup, transporting passenger). We understand these complexities and know how to maximize your recovery.

What if my child was injured in an accident?

Children have special legal protections. The statute of limitations is tolled until they turn 18. We understand the unique challenges of representing child accident victims and their families.

What if I was injured in a work zone accident?

Work zone accidents are unfortunately common in Texas. In 2024, there were nearly 28,000 crashes in Texas work zones, resulting in 215 deaths. We’ve helped numerous victims of work zone accidents recover compensation.

What if I was injured by a defective vehicle or part?

Product liability claims can be complex, but they offer another avenue for compensation. We have experience with cases involving defective vehicles and parts, including recent cases involving Tesla’s Autopilot system.

What if I’m being offered a structured settlement?

Structured settlements can be appropriate in some cases, but they’re not always in your best interest. We’ll review any settlement offer and explain the pros and cons so you can make an informed decision.

What if I need help in Spanish?

Lupe Peña is fluent in Spanish, and our staff includes bilingual team members. As client Celia Dominguez shared: “Especially Miss Zulema, who is always very kind and always translates.”

What if I don’t live in Scotland but was injured here?

We represent accident victims regardless of where they live. If you were injured in Scotland, Texas, we can help you pursue a claim, even if you live out of state or out of the country.

What if I was injured in a hit and run but the driver was later identified?

If the driver is identified, you can pursue a claim against their insurance. If they’re uninsured, your own UM coverage applies. Either way, we can help you navigate the claims process.

What if I was injured by a driver who was working at the time?

If the at-fault driver was working at the time of the accident, their employer may also be liable. This is especially common in cases involving delivery drivers, truck drivers, and other commercial vehicles.

What if I was injured in a multi-vehicle accident?

Multi-vehicle accidents can be complex, with multiple liable parties and insurance companies involved. We have experience investigating these accidents and determining who is at fault.

What if I was injured in a single-vehicle accident?

Even if you were the only vehicle involved, you may still have a claim. Common causes of single-vehicle accidents include defective road conditions, defective vehicles, and negligence by other parties.

What if I was injured in a weather-related accident?

Weather-related accidents can still result in compensation if another driver was negligent. We investigate these cases thoroughly to determine if another driver’s actions contributed to the accident.

Scotland, Texas Accident Resources

Local Hospitals and Medical Centers

• United Regional Health Care System (Wichita Falls) – 1600 11th St, Wichita Falls, TX 76301
• Kell West Regional Hospital (Wichita Falls) – 5402 Kell Blvd, Wichita Falls, TX 76309
• Faith Community Hospital (Jacksboro) – 717 Magnolia St, Jacksboro, TX 76458

Local Law Enforcement Agencies

• Archer County Sheriff’s Office – 100 S Center St, Archer City, TX 76351
• Scotland Police Department – Contact through Archer County Sheriff
• Texas Department of Public Safety (DPS) – Regional office in Wichita Falls

Local Courts

• Archer County Court – 100 S Center St, Archer City, TX 76351
• 97th District Court (serving Archer County) – 100 S Center St, Archer City, TX 76351

Local Towing and Recovery Services

• Archer County Wrecker Service
• Wichita Falls Towing and Recovery

Local Auto Repair Shops

• Archer City Auto Repair
• Wichita Falls Auto Body Shops

Local Support Groups

• Brain Injury Association of Texas
• Spinal Cord Injury Support Groups (Wichita Falls area)
• PTSD Support Groups for Accident Survivors

Contact Attorney911 Today

If you or a loved one has been injured in a motor vehicle accident in Scotland, Texas, don’t wait. Evidence disappears daily, and insurance companies are already building their case against you.

Call Attorney911 now for a free consultation:
📞 1-888-ATTY-911 (1-888-288-9911)

We don’t get paid unless we win your case. There’s no risk to you – just the opportunity to fight for the compensation you deserve.

“We don’t get paid unless we win your case.”

Our team is ready to help you navigate the legal process, fight the insurance companies, and recover the compensation you need to move forward with your life. With our insurance defense insider advantage, multi-million dollar results, and commitment to personal attention, we’re the clear choice for Scotland accident victims.

Don’t face this alone. Call Attorney911 today: 1-888-ATTY-911. We’re here to help.