Motor Vehicle Accident Lawyers in Selma, Texas | Attorney911

If You’ve Been Injured in a Car Accident in Selma, We’re Here to Help

Every year, thousands of Texans are injured in motor vehicle accidents—many right here in Selma and Comal County. With over 251,977 people injured in Texas crashes in 2024 alone, the reality is clear: accidents happen when you least expect them. If you or a loved one has been hurt in a car crash, truck collision, or any other motor vehicle accident in Selma, you need experienced legal representation that understands both the law and the local community.

At Attorney911, we’ve been fighting for accident victims across Texas for more than 25 years. Founded by Ralph Manginello, our firm brings a unique combination of courtroom experience and insider knowledge to every case. Unlike other firms that treat you like just another case number, we provide personal attention and aggressive representation tailored to your specific situation.

Why Selma Accident Victims Choose Attorney911

Selma may be a growing community with easy access to San Antonio and New Braunfels, but when accidents happen on I-35, Loop 1604, or local roads like FM 1103, the consequences can be devastating. Whether you were rear-ended at a stoplight, involved in a multi-vehicle pileup on the highway, or struck by a distracted driver, our team understands the challenges you’re facing.

We know Selma’s roads, courts, and insurance adjusters. Our firm has successfully handled cases throughout Comal County and the surrounding areas, recovering millions for clients who thought their cases were too complex or their injuries too minor to pursue. But here’s what truly sets us apart: our team includes a former insurance defense attorney who knows exactly how insurance companies evaluate claims—and how to counter their tactics.

Common Types of Motor Vehicle Accidents in Selma

Car Accidents: The Most Common Yet Complex Cases

Car accidents are the most frequent type of motor vehicle collision in Selma and across Texas. With one crash occurring every 57 seconds statewide, the odds of being involved in an accident are higher than most people realize. In 2024 alone, over 251,977 Texans were injured in car accidents—many suffering from injuries that aren’t immediately apparent.

Common causes of car accidents in Selma include:

• Distracted driving (texting, phone use, eating)
• Speeding and aggressive driving
• Failure to yield right-of-way
• Running red lights or stop signs
• Drunk or impaired driving
• Poor weather conditions
• Vehicle defects or maintenance issues

Typical car accident injuries we see:

• 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

A recent case we handled: Our client was involved in a rear-end collision on I-35 near Selma. Initially, the leg injury seemed manageable, but complications during treatment led to a partial amputation. Despite the insurance company’s attempts to minimize the claim, we secured a multi-million dollar settlement for our client.

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

If you’ve been injured in a car accident in Selma, don’t let insurance companies undervalue your claim. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

18-Wheeler and Trucking Accidents: When Size Means Catastrophe

Selma’s proximity to major highways like I-35 and Loop 1604 means heavy truck traffic passes through our community daily. While these commercial vehicles are essential to Texas’s economy, they also pose significant risks to passenger vehicles. In 2024, Texas saw 39,393 commercial motor vehicle crashes, resulting in 608 fatalities and 1,601 serious injuries.

The sheer size and weight of 18-wheelers—often 80,000 pounds compared to the 4,000 pounds of a typical car—means that truck accidents frequently result in catastrophic injuries or fatalities. What’s more, these cases are legally complex, often involving multiple liable parties and federal regulations.

Common causes of truck accidents in Selma:

• Driver fatigue (violating Hours of Service regulations)
• Improper loading or overloaded cargo
• Inadequate vehicle maintenance
• Distracted driving (including use of electronic devices)
• Speeding or aggressive driving
• Driving under the influence of drugs or alcohol
• Poor weather conditions
• Defective truck parts or equipment

Federal Motor Carrier Safety Administration (FMCSA) regulations we enforce:

• Hours of Service (HOS) rules limiting driving time
• Mandatory Electronic Logging Devices (ELDs)
• Drug and alcohol testing requirements
• Vehicle maintenance and inspection standards
• Driver qualification and training requirements

Multiple liable parties in trucking accidents:

• The truck driver
• The trucking company
• The cargo loader
• The vehicle manufacturer
• The maintenance provider
• The shipper or broker

Our trucking accident results speak for themselves: We’ve helped numerous families facing trucking-related wrongful death cases recover millions of dollars in compensation. Our federal court experience and involvement in complex litigation like the BP explosion case demonstrate our ability to take on even the most challenging trucking accident cases.

Critical evidence in trucking cases:

• Electronic Logging Device (ELD) data
• Driver qualification files
• Vehicle maintenance records
• Cargo loading documentation
• Black box/Event Data Recorder (EDR) information
• Dashcam and surveillance footage

This evidence can be lost or overwritten within days or weeks. If you or a loved one has been involved in a truck accident in Selma, call Attorney911 immediately at 1-888-ATTY-911. We’ll send preservation letters to secure critical evidence before it disappears.

Drunk Driving Accidents: Holding All Responsible Parties Accountable

Drunk driving remains one of the most preventable yet devastating causes of motor vehicle accidents in Texas. In 2024, alcohol-impaired driving was responsible for 1,053 deaths in Texas—25.37% of all traffic fatalities. These aren’t just statistics; they represent families torn apart by entirely preventable tragedies.

What many accident victims don’t realize is that in Texas, you can hold not just the drunk driver accountable, but also the establishment that served them alcohol. This is called dram shop liability, and it’s a powerful tool for securing full compensation after a drunk driving accident.

Texas Alcoholic Beverage Code § 2.02 establishes dram shop liability when:

1. An establishment served alcohol to someone who was obviously intoxicated at the time of service
2. The over-service was the proximate cause of the accident and resulting damages

Signs of obvious intoxication that establishments should recognize:

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

Potentially liable parties in drunk driving cases:

• Bars and nightclubs
• Restaurants serving alcohol
• Liquor stores
• Event venues (concerts, festivals)
• Social hosts (in limited circumstances)

Why drunk driving cases often result in higher settlements:

• Punitive damages may be available for gross negligence
• Multiple defendants increase available insurance coverage
• Criminal proceedings can strengthen the civil case
• Insurance companies have difficulty defending the indefensible

Our firm’s unique advantage in drunk driving cases:
Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving us unique insight into both the criminal and civil aspects of drunk driving cases. Our experience includes successfully defending clients against DWI charges, which translates to stronger investigations for our civil clients:

• In one case, we discovered that police had failed to properly maintain breathalyzer machines, leading to dismissal
• In another, we proved that missing EMS and hospital records supported our client’s version of events, resulting in dismissal at trial
• In a third case, video evidence clearly showed our client was not impaired, leading to dismissal

If you or a loved one has been injured by a drunk driver in Selma, call Attorney911 at 1-888-ATTY-911. We’ll investigate every angle, including dram shop liability, to ensure all responsible parties are held accountable.

Motorcycle Accidents: Fighting Bias and Proving Fault

Motorcycle riders face unique risks on Selma’s roads. In 2024, Texas saw 585 motorcyclist fatalities, with Harris County leading the state in motorcycle-related deaths. Despite representing only 1% of vehicles on the road, motorcyclists account for a disproportionate number of traffic fatalities.

One of the biggest challenges in motorcycle accident cases is overcoming the bias that often exists against riders. Insurance companies frequently try to shift blame to the motorcyclist, arguing that they were speeding, lane-splitting, or otherwise at fault. This is where Texas’s 51% comparative fault rule becomes critically important.

Texas motorcycle laws you should know:

• Helmets are required for all riders under 21
• Riders 21 and over can ride without a helmet if they have completed a safety course or have at least $10,000 in medical insurance
• Lane splitting (riding between lanes of traffic) is illegal in Texas
• All motorcycles must have working headlights, taillights, and turn signals

Common causes of motorcycle accidents in Selma:

• Failure to yield right-of-way (most common cause)
• Driver inattention or distraction
• Unsafe lane changes by other vehicles
• Left-turn accidents (T-bone collisions)
• Speeding or reckless driving
• Poor road conditions
• Vehicle defects

The 51% rule and why it matters for motorcyclists:
Texas uses a modified comparative negligence system. 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 aggressively try to assign maximum fault to the motorcyclist. Our firm’s unique advantage is that Lupe Peña, our associate attorney, spent years working for insurance companies making these exact arguments. Now, he uses that insider knowledge to counter these tactics and protect our clients’ rights.

“Ralph Manginello is indeed the best attorney I ever had. He cares greatly about his results and kept me updated throughout the 19-month process.” – Jamin Marroquin

If you’ve been injured in a motorcycle accident in Selma, don’t let insurance companies blame you for the accident. Call Attorney911 at 1-888-ATTY-911 for a free consultation.

Pedestrian Accidents: Protecting Selma’s Most Vulnerable Road Users

Pedestrian accidents are among the most devastating motor vehicle collisions, often resulting in life-altering injuries or fatalities. In 2024, Texas saw 6,095 pedestrian crashes, resulting in 768 deaths. While pedestrians represent only 1% of all crashes, they account for 19% of all roadway fatalities.

Selma’s growing population and increased foot traffic around schools, shopping centers, and residential areas make pedestrian safety a critical concern. What many people don’t realize is that pedestrians almost always have the right-of-way at intersections—even at unmarked crosswalks.

Texas law is clear: Pedestrians have the right-of-way at all intersections.
This means that anytime there’s an intersection of two streets, the distance between them is considered a crosswalk—even if it’s not marked. Drivers are required to yield to pedestrians crossing the street.

Common causes of pedestrian accidents in Selma:

• Failure to yield right-of-way
• Distracted driving (texting, phone use)
• Speeding in residential areas
• Drunk or impaired driving
• Poor visibility at night
• Left-turning vehicles
• Backing up without checking

Common pedestrian accident injuries:

• Traumatic brain injuries (TBI)
• Spinal cord injuries and paralysis
• Broken pelvis and leg bones
• Internal organ damage
• Severe lacerations and road rash
• Fatalities

Areas of particular concern in Selma:

• School zones (especially during drop-off and pick-up times)
• Shopping centers and parking lots
• Residential neighborhoods
• Areas with poor lighting
• Crosswalks at busy intersections

If you or a loved one has been struck by a vehicle while walking in Selma, you have rights. The driver’s insurance should cover your medical expenses, lost wages, and pain and suffering. Call Attorney911 at 1-888-ATTY-911 to protect your rights.

Rideshare Accidents: Navigating the Insurance Maze

Rideshare services like Uber and Lyft have transformed transportation in Selma and across Texas. With over 17 million daily Uber trips worldwide, these services have become an integral part of our community. However, when accidents happen, the insurance situation becomes complex due to the multiple coverage phases involved.

The critical issue in rideshare accidents: Insurance coverage varies dramatically depending on what the driver was doing at the time of the crash.

Rideshare Phase	Driver Status	Coverage Available
Period 0 – Offline	App off, personal use	Driver’s personal insurance only (Texas minimum: $30,000/$60,000/$25,000)
Period 1 – Waiting	App on, no ride request	$50,000/$100,000/$25,000 contingent coverage
Period 2 – Accepted	Ride accepted, en route to pickup	$1,000,000 commercial liability coverage
Period 3 – Transporting	Passenger in vehicle	$1,000,000 commercial liability coverage

Who can be injured in rideshare accidents?

• Riders (21% of incidents)
• Rideshare drivers (21% of incidents)
• Third parties (58% of incidents)—other drivers, pedestrians, cyclists

Common rideshare accident scenarios in Selma:

• Rideshare driver hits another vehicle while waiting for a ride request
• Passenger injured during a collision with another driver
• Pedestrian struck by a rideshare vehicle
• Rideshare driver injured by an uninsured motorist
• Accidents caused by distracted rideshare drivers using the app

Our firm’s advantage in rideshare cases:
Lupe Peña’s background as an insurance defense attorney gives us unique insight into how rideshare companies and their insurers evaluate claims. We know how to:

• Determine the exact phase the driver was in at the time of the accident
• Identify all available insurance policies
• Navigate the claims process efficiently
• Counter lowball settlement offers

If you’ve been injured in a rideshare accident in Selma, don’t navigate this complex situation alone. Call Attorney911 at 1-888-ATTY-911 for expert guidance.

Hit and Run Accidents: Protecting Your Rights When the Other Driver Flees

Being the victim of a hit and run accident is particularly frustrating. Not only are you dealing with injuries and property damage, but the at-fault driver has fled the scene, leaving you with uncertainty about how to recover compensation. In Texas, someone is involved in a hit and run accident every 43 seconds.

Texas penalties for hit and run drivers:

Severity	Charge	Penalty
Death	2nd Degree Felony	2-20 years in prison, up to $10,000 fine
Serious Bodily Injury	3rd Degree Felony	2-10 years in prison, up to $10,000 fine
Minor Injury	State Jail Felony	Up to 5 years in jail, up to $5,000 fine
Property Damage ≥$200	Class B Misdemeanor	Up to 6 months in jail, up to $2,000 fine

Your path to recovery after a hit and run:
If the at-fault driver cannot be identified, your own Uninsured Motorist (UM) coverage becomes your primary source of compensation. Texas law allows for inter-policy stacking, meaning you can combine coverage from multiple vehicles on your policy.

Critical steps after a hit and run:

1. Call 911 and report the accident immediately
2. Document everything at the scene (photos, witness information)
3. Seek medical attention, even if you feel fine
4. Do NOT chase the fleeing vehicle
5. Call Attorney911 at 1-888-ATTY-911

Why time is critical in hit and run cases:

• Surveillance footage from nearby businesses is typically deleted within 7-30 days
• Witness memories fade quickly
• Physical evidence at the scene disappears
• The sooner we can send preservation letters, the better chance we have of identifying the at-fault driver

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

If you’ve been the victim of a hit and run accident in Selma, call Attorney911 immediately at 1-888-ATTY-911. We’ll help you navigate the UM claims process and work to identify the fleeing driver.

What to Do Immediately After an Accident in Selma

The moments after a motor vehicle accident can be chaotic and confusing. However, the actions you take in the first 48 hours can significantly impact your ability to recover compensation for your injuries. Here’s what you should do:

Hour 1-6: Immediate Crisis Response

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

✅ Call 911: Report the accident and request medical assistance if anyone is injured. Even if injuries seem minor, it’s important to have them documented.

✅ Seek Medical Attention: Adrenaline can mask serious injuries. Many conditions, including traumatic brain injuries and internal bleeding, may not show symptoms immediately. Visit the emergency room or urgent care facility as soon as possible.

✅ Document Everything:

• Take photos of ALL vehicle damage from multiple angles
• Photograph the accident scene, including road conditions and traffic signals
• Take photos of any visible injuries
• Screenshot any messages visible on your phone (do NOT delete anything)
• Note the time, location, and weather conditions

✅ Exchange Information:

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

✅ Identify Witnesses:

• Get names and phone numbers of any witnesses
• Ask if they saw what happened
• Record their statements if possible (use your phone’s voice recorder)

✅ Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to ANY insurance company.

Hour 6-24: Evidence Preservation

✅ Digital Preservation:

• Preserve all texts, calls, photos, and videos related to the accident
• Do NOT delete anything from your phone
• Screenshot everything relevant
• Email copies to yourself for backup

✅ Physical Evidence:

• Secure any damaged clothing, glasses, or personal items
• Keep receipts for any expenses related to the accident (towing, rental car, medications)
• Do NOT repair your vehicle yet—preserve the damage

✅ Medical Documentation:

• Request copies of all emergency room and hospital records
• Keep all discharge paperwork
• Follow up with your primary care physician within 24-48 hours

✅ Insurance Communications:

• Note any calls from insurance companies
• Do NOT give recorded statements yet
• Do NOT sign anything
• Do NOT accept any settlement offers
• If contacted, say: “I need to speak with my attorney first”

✅ Social Media:

• Make ALL your social media profiles private immediately
• Do NOT post about the accident
• Do NOT post photos of your injuries or activities
• Tell friends and family not to tag you in posts
• Assume everything is being monitored

Hour 24-48: Strategic Decisions

✅ Legal Consultation:

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

✅ Insurance Response:

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

✅ Settlement Offers:

• Do NOT accept or sign anything without your lawyer’s review
• Early offers are ALWAYS lowball offers
• You don’t know the full extent of your injuries yet

✅ Evidence Backup:

• Upload all screenshots and photos to cloud storage
• Email copies to yourself and a family member
• Create a written timeline of events while your memory is fresh

Week One: Protecting Your Case

✅ Medical Follow-Up:

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

✅ Investigation Begins:

• Your attorney will obtain the police report
• Preservation letters will be sent to all relevant parties
• Surveillance footage will be secured before it’s deleted
• Witness statements will be recorded

✅ Communication:

• Your attorney will handle ALL insurance communications
• You should focus on your recovery
• Document any pressure from insurance companies or other parties

Why Insurance Companies Are Not on Your Side

At Attorney911, we have a unique advantage in dealing with insurance companies: our team includes Lupe Peña, an attorney who spent years working for a national insurance defense firm. He knows exactly how insurance companies evaluate claims because he used to calculate them himself.

Here are the tactics insurance companies use to minimize your claim—and how we counter them:

Tactic #1: The Quick Contact and Recorded Statement Trap

What they do:
Within hours or days of your accident, an insurance adjuster will contact you. They’ll sound friendly and concerned, often saying things like:

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

What they’re really doing:
They’re trying to get you to give a recorded statement that they can use against you. These statements are carefully crafted to elicit responses that minimize your injuries and shift blame to you.

Common trap questions:

• “You’re feeling better now, though, right?”
• “It wasn’t that bad of an impact, was it?”
• “You were able to walk away from the scene?”
• “Were you distracted at all?”
• “How fast were you going?”

Everything you say is recorded, transcribed, and will be used against you.

How Attorney911 counters this:

• We advise you NOT to give a recorded statement without us
• If a statement becomes necessary, we prepare you extensively
• We’re present during any statements to protect your rights
• We know their questions because Lupe used to ask them

Tactic #2: The Quick Settlement Offer

What they do:
Within days or weeks of your accident, the insurance company may offer you a quick settlement. Typical offers range from $2,000 to $15,000. They’ll create artificial urgency:

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

The trap:
You don’t know the full extent of your injuries yet. Many serious conditions don’t show symptoms immediately:

• Traumatic brain injuries can take days to manifest
• Herniated discs may not cause pain for weeks
• Internal injuries may not be obvious
• Psychological trauma often develops over time

What happens if you accept:
You sign a release that permanently closes your case. Even if you later discover you need surgery or have permanent injuries, you cannot reopen your claim or get more money.

How Attorney911 counters this:

• We NEVER settle before you’ve reached Maximum Medical Improvement (MMI)
• We know these offers are always lowball—Lupe used to calculate them
• We document your injuries thoroughly to justify higher compensation
• We prepare every case as if it’s going to trial, which gives us leverage in negotiations

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

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

What it really is:
An exam by a doctor hired and paid by the insurance company to minimize your injuries.

How they choose IME doctors:
Insurance companies select doctors based on:

• Who consistently provides reports favorable to insurance companies
• Who finds “no injury” or “pre-existing condition” in most cases
• Who is paid thousands of dollars per exam ($2,000-$5,000)
• Who provides repeat business through favorable reports

What happens at an IME:

• A 10-15 minute cursory examination (vs. your doctor’s thorough evaluation)
• Little to no review of your complete medical records beforehand
• Questions designed to elicit responses that minimize your injuries
• A report that finds your injuries are less severe than your doctors claim

Common IME findings:

• “Patient has pre-existing degenerative changes” (everyone over 40 has some arthritis)
• “Injuries consistent with minor trauma” (minimizing your pain and suffering)
• “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)

How Attorney911 counters this:

• 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—he hired them for years

Tactic #4: Delay and Financial Pressure

What they do:
Insurance companies will drag out your case, hoping you’ll become desperate and accept a low settlement. Tactics include:

• “We’re still investigating your claim”
• “We’re waiting for medical records” (even after you’ve sent them)
• “Your file is under review”
• “We need additional information”
• Ignoring your calls and emails

Why delay works:

• Insurance companies have unlimited time and resources
• They earn interest on your settlement money while delaying
• You have mounting bills and no income
• Financial desperation makes you vulnerable to low offers

The result:

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

How Attorney911 counters this:

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

Tactic #5: Surveillance and Social Media Monitoring

What they do:
Insurance companies hire private investigators to:

• Video you doing daily activities
• Film you from public places (your driveway, street, stores)
• Follow you to appointments, errands, and social activities
• Look for any activity that contradicts your injury claims
• Use one video clip of you bending over to claim “not really injured”

They monitor ALL your social media:

• Facebook, Instagram, TikTok, LinkedIn, Twitter, YouTube, Snapchat
• Screenshot everything: photos, posts, check-ins, comments, likes
• Monitor your friends’ profiles for posts mentioning you
• Use facial recognition to find photos you’re tagged in
• Archive your entire social media history

Examples we’ve defended against:

Insurance Claim	What Really Happened
“Patient is active and not disabled”	Gym photo from 3 years before accident
“Patient is socializing and having fun”	Check-in at restaurant with family
“Patient is not in pain”	Photo of client smiling at birthday party
“Patient is mobile and not injured”	Video of client walking dog slowly (doctor recommended short walks)

7 rules for our clients:

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

Lupe’s insider perspective:

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

Tactic #6: Comparative Fault Arguments

What they do:
Insurance companies will try to assign you maximum fault to reduce their payment. Common arguments include:

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

Why they do this:
Texas uses the 51% bar rule for comparative negligence:

• 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

Even small fault percentages 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

How Attorney911 counters this:

• We conduct aggressive liability investigations
• We use accident reconstruction experts to prove the other driver’s fault
• We gather witness statements supporting your version of events
• We analyze police reports to emphasize any citations issued to the other driver
• Lupe knows their fault arguments because he made them for years—now he defeats them

The Colossus System: How Insurance Companies Really Value Your Claim

Most people don’t realize that insurance companies use sophisticated software called Colossus to calculate the value of injury claims. Lupe Peña used to work with this system when he was an insurance defense attorney, and he knows exactly how it works—and how to beat it.

How Colossus works:

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

   • Injury codes (medical diagnoses)
   • Treatment types and costs
   • Lost wages
   • Jurisdiction (where the accident occurred)
   • Other case details

2. Coding: Your injuries are assigned specific medical codes. This is where manipulation often occurs:

   • The SAME injury can be coded differently
   • “Soft tissue strain” (minor code) vs. “disc herniation” (serious code)
   • SAME injury, different code = 50-100% difference in valuation

3. Calculation: The software applies algorithms to determine a “value” range

4. Output: The system provides a recommended settlement range

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

How insurance companies manipulate Colossus:

• Using the lowest possible injury codes
• Flagging excessive treatment (even when medically necessary)
• Penalizing conservative treatment (chiropractic valued less than MD treatment)
• Reducing value for pre-existing conditions
• Applying jurisdiction factors (lower-value counties get lower valuations)

Why Lupe’s experience matters:

• He knows how to code injuries properly for maximum value
• He understands which medical terms trigger higher valuations
• He can identify when Colossus output is artificially low
• He knows how to present medical records to beat the algorithm
• He worked with these systems for years as a defense attorney

Reserve setting: The hidden factor in your settlement
Insurance companies set “reserves” for each claim—money set aside for the worst-case scenario (their estimate of a trial verdict). Adjusters usually cannot settle for more than the reserve amount without special approval.

How we increase reserves:

• Hiring expert witnesses (shows we’re investing in the case)
• Taking depositions (creates litigation expenses)
• Filing lawsuits (forces trial evaluation)
• Preparing for trial (demonstrates we won’t back down)

Lupe understands reserve psychology and settlement authority limits—this is a game-changing advantage for our clients.

Understanding Your Rights and Potential Compensation

Texas Statute of Limitations: The Critical Deadline You Can’t Miss

In Texas, you have a limited time to file a personal injury lawsuit after a motor vehicle accident. This is called the statute of limitations, and it’s an absolute deadline that cannot be extended or waived.

Texas Civil Practice & Remedies Code § 16.003 establishes these deadlines:

Claim Type	Time Limit	Starts From
Personal Injury	2 years	Date of accident
Wrongful Death	2 years	Date of death
Property Damage	2 years	Date of damage
Government Claims	6 months notice	Date of incident

Exceptions that may extend the deadline:

• Discovery Rule: If you couldn’t reasonably discover your injury or its cause immediately, the clock may start later
• Defendant’s Absence: If the defendant leaves Texas, the clock may be tolled (paused)
• Mental Incapacity: If you’re mentally incapacitated, the clock may be tolled

Critical warning: If you miss the deadline, your case will be barred forever. You cannot file a lawsuit, and you cannot recover any compensation—no matter how severe your injuries or how clear the other driver’s fault.

Comparative Negligence: How Fault Affects Your Recovery

Texas uses a modified comparative negligence system with a 51% bar rule. This means that even if you were partially at fault for the accident, you may still be able to recover compensation—unless your fault exceeds 50%.

How it works:

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

Why this matters:
Insurance companies will aggressively try to assign you maximum fault to reduce their payment. 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

Common arguments insurance companies use to assign you fault:

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

Our advantage: Lupe Peña spent years working for insurance companies making these exact arguments. Now, he uses that insider knowledge to counter these tactics and protect our clients’ rights.

Types of Compensation You May Be Entitled To

If you’ve been injured in a motor vehicle accident in Selma, you may be entitled to various types of compensation, known as “damages.” These fall into three main categories:

Economic Damages (No Cap in Texas)

These are quantifiable financial losses you’ve suffered due to the accident:

Damage Type	What It Covers	Example
Medical Expenses (Past)	All accident-related medical treatment	ER visits, hospital stays, surgeries, doctor visits, physical therapy, medications, medical equipment
Medical Expenses (Future)	Ongoing and future treatment needs	Future surgeries, lifetime medications, long-term care, rehabilitation
Lost Wages (Past)	Income lost from date of accident to present	Time missed from work due to injuries and recovery
Lost Earning Capacity (Future)	Reduced ability to earn income in the future	If you can’t return to your previous job or must take a lower-paying position
Property Damage	Repair or replacement of damaged property	Vehicle repair or replacement, personal items damaged in the accident
Out-of-Pocket Expenses	Other accident-related expenses	Transportation to medical appointments, home modifications, household help

Non-Economic Damages (No Cap Except Medical Malpractice)

These are intangible losses that don’t have a specific dollar amount:

Damage Type	What It Covers	Example
Pain and Suffering	Physical pain from injuries	Chronic pain, discomfort, limitations on daily activities
Mental Anguish	Emotional distress	Anxiety, depression, fear, PTSD, sleep disturbances
Physical Impairment	Loss of physical function	Inability to walk, lift, bend, or perform daily activities
Disfigurement	Permanent visible injuries	Scarring, amputations, burns, other permanent marks
Loss of Consortium	Impact on marriage/family relationships	Loss of companionship, affection, support from spouse
Loss of Enjoyment of Life	Inability to participate in activities	Can’t play sports, hobbies, travel, or enjoy life as before

Punitive/Exemplary Damages (Capped)

These are awarded in cases of gross negligence, fraud, or malice to punish the defendant and deter similar conduct:

• Available when: There is clear and convincing evidence of fraud, malice, or gross negligence
• Common in: Drunk driving cases, extreme recklessness, intentional misconduct
• Cap in Texas: Greater of $200,000 OR (2x economic damages + 1x non-economic damages, with a $750,000 cap on the non-economic portion)

How Case Value Is Determined

Several factors influence the value of your motor vehicle accident case:

1. Severity of Injuries:

• More severe injuries generally result in higher compensation
• Permanent injuries (TBI, paralysis, amputations) increase case value significantly
• Multiple injuries compound the value

2. Medical Treatment Required:

• Emergency room visits and hospital stays increase value
• Surgeries significantly increase case value
• Ongoing treatment needs (physical therapy, pain management) add to future medical costs
• Life care plans for catastrophic injuries can run into millions

3. Impact on Your Life:

• Ability to return to work (or not)
• Permanent disability or limitations
• Impact on daily activities and quality of life
• Emotional and psychological effects

4. Clear Liability:

• Clear evidence of the other driver’s fault increases settlement value
• Police reports citing the other driver
• Witness statements supporting your version
• Video evidence of the accident
• Admission of fault by the other driver

5. Insurance Coverage Available:

• Higher policy limits mean higher potential recovery
• Multiple liable parties increase available insurance
• Umbrella policies can provide additional coverage

6. Your Personal Characteristics:

• Age (younger victims often receive higher awards for future losses)
• Occupation (higher earners have greater lost wage claims)
• Family situation (impact on dependents increases value)
• Prior health (pre-existing conditions can complicate but don’t necessarily reduce value)

Settlement Ranges by Injury Type

While every case is unique, here are typical settlement ranges for different types of injuries in Texas motor vehicle accident cases:

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 settlement range: $15,000-$60,000
• Higher if: Permanent pain, restrictions on activities, chronic condition develops

Broken Bone (Single, Simple Fracture)

• Medical treatment: $10,000-$20,000
• Lost wages: $5,000-$15,000
• Pain & suffering: $20,000-$60,000
• Total settlement range: $35,000-$95,000

Broken Bone (Requiring Surgery – ORIF)

• Medical treatment: $47,000-$98,000
• Lost wages: $10,000-$30,000
• Pain & suffering: $75,000-$200,000
• Total settlement range: $132,000-$328,000

Herniated Disc (Conservative Treatment)

• Medical treatment: $22,000-$46,000
• Lost wages: $8,000-$25,000
• Pain & suffering: $40,000-$100,000
• Total settlement range: $70,000-$171,000

Herniated Disc (Surgery Required)

• Past medical: $96,000-$205,000
• Future medical: $30,000-$100,000
• Lost wages: $20,000-$50,000
• Lost earning capacity: $50,000-$400,000
• Pain & suffering: $150,000-$450,000
• Total settlement range: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe)

• Past medical: $198,000-$638,000
• Future medical (life care plan): $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 settlement range: $1,548,000-$9,838,000

Attorney911 Documented Result:

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

Spinal Cord Injury / Paralysis

• First year costs: $500,000-$1,500,000
• Annual costs after first year: $70,000-$250,000
• Lifetime costs: $2,500,000-$13,000,000+
• Total settlement range: $4,770,000-$25,880,000

Amputation

• Past medical: $170,000-$480,000
• Future medical (lifetime prosthetics): $500,000-$2,000,000
• Lost wages: $20,000-$50,000
• Lost earning capacity: $500,000-$2,000,000
• Pain & suffering: $1,000,000-$3,000,000
• Total settlement range: $1,945,000-$8,630,000

Attorney911 Documented Result:

“In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions”

Wrongful Death (Working Age Adult)

• Funeral and burial: $10,000-$20,000
• Medical expenses before death: $50,000-$500,000
• Lost financial support: $1,000,000-$4,000,000
• Loss of companionship: $500,000-$3,000,000
• Mental anguish: $250,000-$1,500,000
• Total settlement range: $1,910,000-$9,520,000

Attorney911 Documented Result:

“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”

Nuclear Verdicts: How Multi-Million Dollar Awards Impact Your Case

Texas has seen a dramatic increase in so-called “nuclear verdicts”—jury awards exceeding $10 million. While these large verdicts often make headlines, they have a significant impact on ALL personal injury cases, not just those that go to trial.

Texas nuclear verdict statistics:

• 207 nuclear verdicts ($10M+) from 2009-2023
• Total awarded: $45+ billion in Texas alone
• Texas leads ALL states in nuclear verdicts
• Auto accidents account for 23.2% of all nuclear verdicts

Recent Texas motor vehicle nuclear verdicts:

Year	Case	Amount
2024	Hatch v. Jones (car accident wrongful death)	$81,720,000
2024	Frito-Lay Warehouse (vehicle collision)	$72,000,000
2024	Lopez v. All Points 360 (Amazon DSP)	$105,000,000
2024	New Prime I-35 pileup (6 deaths)	$44,100,000
2024	Oncor Electric (trucking)	$37,500,000
2024	Ben E. Keith (Fort Worth trucking)	$35,000,000
2023	Johnson v. Union Pacific (train)	$557,000,000
2021	Ramsey v. Landstar (trucking)	$730,000,000
2017	Kindred v. Delbosque (drunk driving)	$301,000,000,000

Why nuclear verdicts matter for your case:
Insurance companies fear nuclear verdicts. This fear increases settlement values across ALL serious injury cases, not just those that go to trial. At Attorney911, our trial readiness and multi-million dollar track record give us leverage in every negotiation.

Why Choose Attorney911 for Your Selma Accident Case

When you’re injured in a motor vehicle accident, choosing the right attorney can make all the difference in the outcome of your case. At Attorney911, we offer unique advantages that set us apart from other firms:

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, learning:

• How they calculate claim values (using systems like Colossus)
• What factors they consider when evaluating cases
• How they train adjusters to minimize claims
• Which doctors they hire for “independent” medical exams
• How they use surveillance and social media monitoring
• Their delay and denial tactics
• How they assign comparative fault

Now, he uses that knowledge to fight FOR you. Having a former insurance defense attorney on your side is like having an insider on the opposing team—we know their playbook because Lupe wrote it.

2. Multi-Million Dollar Results

Our track record speaks for itself. We’ve recovered millions for clients in cases involving:

• Traumatic brain injuries: “Multi-million dollar settlement for client who suffered brain injury with vision loss”
• Amputations: “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: “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 injuries: “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”

“They fought for me to get every dime I deserved.” – Glenda Walker

3. Federal Court Experience

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

• Complex cases involving multiple states
• Trucking accidents with federal regulations (FMCSA)
• Cases against large corporations
• Product liability claims
• Cases with diversity jurisdiction

Our firm’s experience with complex litigation: We were one of the few firms in Texas involved in the BP explosion litigation, demonstrating our ability to take on billion-dollar corporations.

4. Personal Attention from Start to Finish

Unlike high-volume firms that treat you like just another case number, at Attorney911 you work directly with Ralph Manginello and Lupe Peña—not case managers or junior associates.

“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

Our clients consistently praise our communication and personal touch:

“Leonor and Amanda were amazing, they walked me through everything with my car accident.” – Kelly Hunsicker

“When I felt I had no hope or direction, Leonor reached out to me…She took all the weight of my worries off my shoulders.” – Stephanie Hernandez

5. Contingency Fee – No Risk to You

We believe that everyone deserves access to quality legal representation, regardless of their financial situation. That’s why we work on a contingency fee basis:

• Free consultation: We’ll evaluate your case at no cost to you
• No upfront fees: You pay nothing to start your case
• No hourly billing: We don’t charge by the hour
• We advance all case costs: You’re not responsible for expenses as they occur
• No fee unless we win: We only get paid if we recover compensation for you

Our fee is a percentage of your recovery, so our interests are perfectly aligned with yours—we only succeed if you do.

6. 24/7 Availability – We Answer When You Need Us

Accidents don’t happen on a 9-to-5 schedule, and neither do we. When you call Attorney911 at 1-888-ATTY-911, you’re calling a true legal emergency line.

“Ralph reached out personally.” – Dame Haskett

We’re here to help when you need us most—whether it’s 2 AM after an accident or a weekend when you’re trying to understand your rights.

7. Spanish Language Services

Selma is a diverse community, and we believe language should never be a barrier to justice. Our team includes Spanish-speaking attorneys and staff:

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

Whether you’re more comfortable communicating in English or Spanish, we’re here to help.

8. Community Trust and Recognition

Our firm has earned the trust of the Selma community and beyond:

• 4.9 stars on Google (251+ reviews)
• Trae Tha Truth endorsement: “One of Houston’s Great Men Trae Tha Truth has recommended this law firm”
• Active in the community: We sponsor local events and support area organizations
• Local roots: Ralph Manginello grew up in Houston’s Memorial area and has deep Texas ties

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

Frequently Asked Questions About Motor Vehicle Accidents in Selma

Immediate After-Accident Questions

1. What should I do immediately after a car accident in Selma?

If you’ve been in an accident in Selma:

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

2. Should I call the police even for a minor accident?

Yes. Always call the police. The police report is critical evidence for your claim. In Texas, you must report accidents with injuries, deaths, or property damage over $1,000.

3. Should I seek medical attention if I don’t feel hurt?

Absolutely. Many serious injuries don’t show symptoms immediately:

• 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.

4. What information should I collect at the scene?

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

5. Should I talk to the other driver or admit fault?

• Exchange information only
• Do NOT discuss fault
• 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

6. How do I obtain a copy of the accident report?

In Selma, you can obtain the police report from the responding law enforcement agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

Dealing with Insurance

7. Should I give a recorded statement to insurance?

To the other driver’s insurance: NO. Not without an attorney.
To your own insurance: You have a duty to cooperate, but call Attorney911 first. We can advise you on what to say.

8. What if the other driver’s insurance contacts me?

Say: “I need to speak with my attorney first.” Give only basic information (name, date of accident). Do NOT give a recorded statement. Do NOT discuss injuries or fault.

9. Do I have to accept the insurance company’s estimate?

No. Their estimate is just an offer. It’s usually far below the actual value of your claim. Attorney911 fights for what your case is really worth.

10. 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.

11. What if the other driver is uninsured or underinsured?

Your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you. Texas allows inter-policy stacking, which means you can combine coverage from multiple vehicles on your policy.

12. Why does insurance want me to sign a medical authorization?

They want unlimited access to your ENTIRE medical history to find pre-existing conditions to use against you. Never sign without attorney review.

Legal Process Questions

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

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

15. 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.

16. 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 recover nothing.

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

17. What happens if I was partially at fault?

You can still recover if you were 50% or less at fault. Your recovery is reduced by your percentage of fault.

18. Will my case go to trial?

Most cases settle before trial. But Attorney911 prepares every case as if it’s going to trial. 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

19. How long will my case take to settle?

It depends on the severity of your injuries. 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.

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

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

21. What is my case worth?

It 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).

22. 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

23. Can I get compensation for pain and suffering?

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

24. 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.

25. 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 for your specific situation.

26. 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 Questions

27. How much do car accident lawyers cost?

Attorney911 works on a contingency fee basis: 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

28. 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.

29. 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.”

30. 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.”

31. 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

32. 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

33. 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.

34. 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.

35. 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

36. 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: You had mild occasional back pain before the accident. After the accident, you have 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 companies attack pre-existing conditions—he used this defense for years.

37. Can I switch attorneys if I’m unhappy with my current lawyer?

YES. You can fire your attorney at any time. If your current attorney isn’t communicating, 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.

38. 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.

39. 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, clear liability. For example: $100,000 medical expenses × 4 multiplier = $400,000 pain and suffering. Lupe calculated these for years—he knows how to justify higher multipliers. See our Damages section for detailed breakdown.

40. 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 an experienced attorney. Ralph’s 25+ years includes government litigation. Call 1-888-ATTY-911 immediately—the 6-month deadline is strict.

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

File a police report immediately (hit and run is a criminal offense). Your Uninsured Motorist (UM) coverage applies. Surveillance footage is CRITICAL—most 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.

42. 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.

43. 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” (this is a lie). We prove fault through: surveillance video, witness statements, damage analysis, traffic patterns. Texas comparative negligence rules apply. We’ve won many parking lot cases with clear liability findings.

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

You can sue the driver even if you were riding with them (friend, family member, Uber driver). 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.

45. 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.

Selma-Specific Information

Selma, Texas, is a growing community in Comal County, located just north of San Antonio along I-35. With easy access to major highways, local roads, and nearby cities like New Braunfels and San Marcos, Selma sees its share of motor vehicle accidents. Here’s what you need to know about accidents in Selma:

Selma’s Roads and Highways

Selma is served by several major roads that see significant traffic:

• I-35: The primary north-south interstate running through the area, connecting Selma to San Antonio and Austin. This high-speed highway sees heavy truck traffic and is a common site for serious accidents.

• Loop 1604: A major loop around San Antonio that passes near Selma, carrying commuter and commercial traffic.

• FM 1103: A key local road running through Selma, connecting to nearby communities and serving local businesses.

• FM 3009: Another important local road that sees significant traffic.

• Local streets: As Selma grows, local streets like Selma Road and others see increased traffic, leading to more accidents at intersections and in residential areas.

Common Accident Locations in Selma

While accidents can happen anywhere, some areas in and around Selma see higher accident rates:

• I-35 at FM 1103: This interchange sees heavy traffic and frequent accidents as vehicles enter and exit the highway.

• Loop 1604 near Selma: The high-speed nature of this road combined with frequent lane changes leads to accidents.

• Intersections along FM 1103: As this road serves local businesses and residential areas, intersections can be dangerous.

• Shopping centers and parking lots: Areas with heavy pedestrian traffic, like shopping centers, see accidents involving vehicles and pedestrians.

• Construction zones: With Selma’s growth, construction zones are common and can be hazardous.

Local Hospitals and Medical Care

If you’re injured in an accident in Selma, you may receive treatment at:

• University Hospital – San Antonio: A Level I trauma center serving the region, located about 20 minutes from Selma.

• Methodist Hospital: A major medical center in San Antonio with comprehensive emergency services.

• Baptist Medical Center: Another major hospital in San Antonio with emergency and trauma services.

• Resolute Health Hospital (New Braunfels): A full-service hospital closer to Selma, offering emergency care.

• Local urgent care centers: For less severe injuries, several urgent care facilities serve the Selma area.

Selma Courts and Legal Process

If your case requires legal action, it will likely be filed in:

• Comal County Courts: For cases involving amounts up to $250,000.

• District Courts (22nd Judicial District): For cases involving larger amounts or complex issues.

• Justice of the Peace Courts: For smaller claims and property damage cases.

Our firm is familiar with the Selma court system and has experience working with local judges and court personnel.

Why Selma Residents Choose Attorney911

Selma is a unique community with its own character and challenges. As a growing area with a mix of residential, commercial, and industrial development, Selma sees a variety of accident types. Our firm understands the specific needs of Selma residents:

• Local knowledge: We know Selma’s roads, courts, and community.
• Accessibility: While we’re based in Houston, we regularly handle cases throughout Texas, including Selma.
• Community focus: We understand the challenges facing Selma residents and are committed to serving our neighbors.
• Proven results: We’ve recovered millions for clients throughout Texas, including those in communities like Selma.

Contact Attorney911 Today

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

Call Attorney911 at 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

The Manginello Law Firm, PLLC
Attorney911
Serving Selma and Comal County
Free Consultation • No Fee Unless We Win
Se Habla Español

We’re here when you need us most.