Motor Vehicle Accident Lawyers in Somerset, Texas – Attorney911

If you’ve been injured in a motor vehicle accident in Somerset, Texas, you’re not alone. With over 251,977 people injured in Texas motor vehicle crashes last year alone—one every 57 seconds—our roads are dangerous. At Attorney911, we understand the physical, emotional, and financial toll an accident can take. Founded by Ralph Manginello, who brings over 25 years of legal experience and federal court admission, our firm is here to fight for the compensation you deserve.

In Somerset, located in Bexar County, accidents can happen anywhere—from the busy intersections near I-35 to the local roads connecting our community. Whether you were rear-ended on FM 2537, sideswiped on Somerset Road, or involved in a serious collision on I-35, our team knows how to navigate the complexities of Texas motor vehicle law to protect your rights.

Why Somerset Residents Choose Attorney911

When you’re injured in an accident, you need more than just a lawyer—you need a legal team that understands Somerset and fights for your best interests. Here’s why Somerset residents trust us:

Local Knowledge: We know the Somerset courts, local judges, and the insurance adjusters who handle claims in Bexar County. Our familiarity with the area means we can navigate your case more effectively.
Insurance Defense Insider: Our firm includes Lupe Peña, a former insurance defense attorney who knows exactly how insurance companies value claims. He spent years working for them—now he fights for you.
Proven Results: We’ve recovered millions for accident victims across Texas, including cases involving traumatic brain injuries, amputations, and wrongful death. Our results speak for themselves.
Personal Attention: At Attorney911, you’re not just another case. You’ll work directly with Ralph Manginello or Lupe Peña, not a case manager. As client Chad Harris said, “You are NOT a pest to them and you are NOT just some client… You are FAMILY to them.”
No Fee Unless We Win: We work on a contingency fee basis—you pay nothing unless we recover compensation for you. This means you can focus on your recovery while we handle the legal heavy lifting.

Common Types of Motor Vehicle Accidents in Somerset

Car Accidents

Car accidents are the most common type of motor vehicle accident in Somerset. With heavy traffic on I-35 and local roads like Somerset Road and FM 2537, collisions can happen in an instant. Common causes include:

Distracted driving (texting, phone use)
Speeding
Failure to yield
Running red lights or stop signs
Drunk or impaired driving
Following too closely (rear-end collisions)

Common Injuries:

Whiplash and soft tissue injuries
Herniated discs
Broken bones and fractures
Traumatic brain injuries (TBI)
Spinal cord injuries
Internal organ damage

Attorney911 Case 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.”

Testimonial:

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

18-Wheeler and Trucking Accidents

Somerset is located near major trucking corridors, including I-35, which sees heavy commercial vehicle traffic. Trucking accidents often result in catastrophic injuries due to the sheer size and weight of these vehicles (up to 80,000 pounds). In Texas, there were 39,393 commercial motor vehicle crashes in 2024, resulting in 608 fatalities and 1,601 serious injuries.

Common Causes:

Driver fatigue (violations of Hours of Service regulations)
Distracted driving
Improper loading or securing of cargo
Poor vehicle maintenance
Speeding or reckless driving
Failure to yield

Federal Regulations (FMCSA):

Hours of Service (HOS): Drivers are limited to 11 hours of driving after 10 consecutive hours off-duty and cannot drive beyond the 14th consecutive hour on duty.
Electronic Logging Devices (ELDs): Mandatory for tracking driver hours and ensuring compliance with HOS rules.
Drug and Alcohol Testing: Required pre-employment, randomly, and after accidents.

Why Higher Settlements?

Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
Higher insurance limits ($750,000 to $5,000,000+ policies)
Federal court experience often required

Attorney911 Case 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 Verdict Context:

2024 Oncor Electric: $37.5 million verdict (distracted truck driver)
2024 New Prime I-35 pileup: $44.1 million verdict (6 deaths)
2024 Ben E. Keith (Fort Worth): $35 million settlement

Drunk Driving Accidents

Drunk driving is a serious problem in Texas, with 1,053 alcohol-impaired driving deaths in 2024, accounting for 25.37% of all traffic fatalities. Somerset is not immune to this issue, and drunk driving accidents often result in severe injuries or fatalities.

Dram Shop Liability (Texas Alcoholic Beverage Code § 2.02):
Under Texas law, bars, restaurants, and other establishments can be held liable if they serve alcohol to someone who is obviously intoxicated and that person later causes an accident. Signs of obvious intoxication include:

Slurred speech
Bloodshot or glassy eyes
Unsteady gait or stumbling
Impaired coordination
Aggressive or erratic behavior

Potentially Liable Parties:

Bars and nightclubs
Restaurants serving alcohol
Liquor stores
Event organizers (concerts, festivals)

Why Higher Settlements?

Punitive damages available for gross negligence
Multiple defendants (driver + bar/restaurant)
Criminal case strengthens civil case

Attorney911 Criminal Defense Capability:
Our firm’s experience in criminal defense, including three documented DWI dismissals, gives us unique insight into how to investigate and build strong cases for drunk driving accident victims.

Motorcycle Accidents

Motorcycle accidents are particularly devastating due to the lack of protection for riders. In Texas, there were 585 motorcyclist fatalities in 2024, with 37% of those killed not wearing helmets. Somerset’s roads, including FM 2537 and Somerset Road, can be dangerous for motorcyclists, especially at intersections and during lane changes.

Texas Helmet Law:

Required for all riders under 21.
Riders 21+ may ride without a helmet if they have completed an approved safety course or have $10,000+ in medical insurance.

Common Causes:

Failure to yield right of way (most common)
Driver inattention or distraction
Unsafe lane changes
Left-turn accidents (T-bone/head-on collisions)
Speeding or reckless driving

Comparative Negligence Issue:
Insurance companies often try to blame motorcyclists for accidents. Texas’s 51% bar rule means that if you are found to be 51% or more at fault, you cannot recover any damages. Lupe Peña’s experience as a former insurance defense attorney helps counter these arguments.

Pedestrian Accidents

Pedestrians are the most vulnerable road users, and Somerset is no exception. In Texas, there were 6,095 pedestrian crashes in 2024, resulting in 768 fatalities. Pedestrians account for just 1% of crashes but 19% of all roadway deaths.

Critical Legal Point:
Pedestrians ALWAYS have the right-of-way at intersections, even at unmarked crosswalks. Many drivers don’t know this, and insurance companies won’t tell you.

Common Injuries:

Traumatic brain injuries (TBI)
Spinal cord injuries
Broken pelvis and legs
Internal organ damage
Fatalities

Rideshare Accidents (Uber/Lyft)

Rideshare accidents are becoming more common in Somerset as services like Uber and Lyft grow in popularity. These accidents present unique challenges due to the complex insurance coverage involved.

Rideshare Insurance Phases:

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

Who Can Be Injured:

21% Riders
21% Drivers
58% Third parties (other drivers, pedestrians, passengers in other vehicles)

Why This Matters:
Insurance coverage varies dramatically based on what the driver was doing at the time of the crash. Lupe Peña’s insurance expertise helps navigate this complexity.

Hit and Run Accidents

Hit and run accidents are a serious issue, with one occurring every 43 seconds in the U.S. If you’re the victim of a hit and run in Somerset, your own Uninsured Motorist (UM) coverage can compensate you when the at-fault driver is unidentified.

Texas Penalties (Texas Transportation Code § 550.021):

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

UM/UIM Coverage Critical:

UM/UIM pays for hit-and-run accidents when the at-fault driver is unidentified.
Attorney911’s YouTube video on UM/UIM: Uninsured & Underinsured Motorists

Evidence Urgency:

Surveillance footage is typically deleted in 7-30 days.
Witnesses disperse quickly.
Call Attorney911 immediately at 1-888-ATTY-911 to preserve evidence.

What to Do Immediately After an Accident in Somerset

If you’re involved in a motor vehicle accident in Somerset, taking the right steps immediately can make a significant difference in your case. Here’s what to do:

Hour 1-6 (Immediate Crisis):

Safety First: If you can move safely, get to a secure location away from traffic.
Call 911: Report the accident and request medical assistance if anyone is injured.
Medical Attention: Even if you feel fine, get checked by a medical professional. Adrenaline can mask injuries, and some serious conditions, like traumatic brain injuries, may not show symptoms immediately.
Document Everything:
- Take photos of all vehicle damage (every angle).
- Photograph the accident scene, road conditions, and traffic signals.
- Take photos of visible injuries.
- Screenshot any messages visible on your phone (do NOT delete anything).
Exchange Information:
- Other driver’s name, phone number, address.
- Insurance company and policy number.
- Driver’s license number.
- License plate number.
- Vehicle make, model, and color.
Witnesses: Get names and phone numbers of any witnesses and ask if they saw what happened.
Call Attorney911: Call 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 damaged clothing, glasses, or personal items.
- Keep receipts for any expenses (towing, rental car, medications).
- Do NOT repair your vehicle yet—preserve the damage.
Medical Records:
- Request copies of all ER/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.
- Say: “I need to speak with my attorney first.”
Social Media:
- Make ALL profiles private immediately.
- Do NOT post about the accident.
- Do NOT post photos of injuries or activities.
- Tell friends and family not to tag you in posts.

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: name, date of accident, that you were involved.
Settlement Offers:
- Do NOT accept or sign anything without your lawyer reviewing it.
- 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 Priorities:

Medical Follow-Up:
- Continue documenting all injuries.
- See specialists if recommended.
- Follow ALL doctor recommendations (insurance companies watch for gaps in treatment).
- Get written work restrictions if needed.
Investigation Begins:
- Your attorney will obtain the police report.
- Preservation letters will be sent to all parties.
- Surveillance footage will be secured before deletion.
- Witness statements will be recorded.
Communication:
- Your attorney will handle ALL insurance communication.
- You focus on your recovery.
- Document any pressure from insurance or other parties.

Texas Motor Vehicle Law Framework

Statute of Limitations

In Texas, you have 2 years from the date of the accident to file a personal injury lawsuit. This is known as the statute of limitations (Texas Civil Practice & Remedies Code § 16.003). Missing this deadline means your case is barred forever—you cannot file a lawsuit or recover compensation.

Exceptions:

Discovery Rule: The statute may start later if the injury or its cause was not immediately discoverable.
Minors: The statute is tolled (paused) until the minor turns 18, then they have 2 years to file.
Defendant Absence: The statute is tolled if the defendant leaves Texas.

Comparative Negligence (51% Bar Rule)

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

If you are 50% or less at fault, you can recover damages, but your recovery is reduced by your percentage of fault.
If you are 51% or more at fault, you recover nothing.

Examples:

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 try to assign as much fault as possible to you to reduce their payment. Even small fault percentages can cost you thousands. For example:

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 Peña’s experience as a former insurance defense attorney helps counter these arguments because he knows exactly how they operate.

Texas Minimum Auto Insurance (30/60/25)

Texas law requires all drivers to carry minimum auto insurance coverage:

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

Uninsured Motorist Statistics:

Approximately 15.4% of U.S. motorists are uninsured (about 1 in 7 drivers).
UM/UIM coverage is critical for protecting yourself if you’re hit by an uninsured or underinsured driver.
Texas allows inter-policy stacking, which means you can combine coverage from multiple policies.

Proving Liability and Building Your Case

To win your motor vehicle accident case in Texas, you must prove four elements of negligence:

Duty of Care: All drivers have a legal duty to operate their vehicles safely and obey traffic laws.
Breach of Duty: The at-fault driver violated their duty of care (e.g., speeding, running a red light, texting while driving).
Causation: The breach of duty directly caused your injuries.
Damages: You suffered actual harm (physical, financial, or emotional).

Evidence Types and Sources

Physical Evidence:

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

Documentary Evidence:

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

Electronic Evidence:

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

Testimonial Evidence:

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

Multiple Liable Parties

In many accidents, more than one party may be liable. For example:

Trucking Accidents: The truck driver, trucking company, cargo loader, vehicle manufacturer, and maintenance company may all share liability.
Rideshare Accidents: The rideshare driver, rideshare company (Uber/Lyft), other at-fault drivers, and vehicle owner may all be liable.
Drunk Driving Accidents: The drunk driver, bar/restaurant (dram shop liability), social host, and liquor store may all be liable.

More liable parties = more insurance policies = higher recovery potential.

Damages and Compensation

Types of Damages

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

Economic Damages (No Cap in Texas):

Medical Expenses (Past): ER visits, hospital stays, surgeries, doctors’ appointments, physical therapy, medications, and medical equipment.
Medical Expenses (Future): Ongoing treatment, future surgeries, lifetime medications, and long-term care.
Lost Wages (Past): Income lost from the date of the accident to the present.
Lost Earning Capacity (Future): Reduced ability to earn income in the future.
Property Damage: Vehicle repair or replacement and damage to personal property.
Out-of-Pocket Expenses: Transportation to medical appointments, home modifications, and household help.

Non-Economic Damages (No Cap Except Medical Malpractice):

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

Punitive/Exemplary Damages (Capped):

Available for gross negligence, fraud, or malice (e.g., drunk driving).
Cap: The greater of $200,000 or (2x economic damages + 1x non-economic damages, capped at $750,000 for non-economic portion).
Purpose: To punish the defendant and deter similar conduct.

Settlement Ranges by Injury Type

Soft Tissue Injuries (Whiplash, Sprains, Strains):

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

Broken Bone (Single, Simple Fracture):

Medical Treatment: $10,000-$20,000
Lost Wages: $5,000-$15,000
Pain & Suffering: $20,000-$60,000
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
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
Settlement Range: $70,000-$171,000

Herniated Disc (Surgery Required):

Total 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
Settlement Range: $346,000-$1,205,000

Traumatic Brain Injury (Moderate to Severe):

Total 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+
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:

Lifetime Care Costs by Level:
- High Tetraplegia (C1-C4): $6,000,000-$13,000,000+
- Low Tetraplegia (C5-C8): $3,700,000-$6,100,000+
- Paraplegia (T1-L5): $2,500,000-$5,250,000+
Settlement Range: $4,770,000-$25,880,000

Amputation:

Total Past Medical: $170,000-$480,000
Future Medical (Lifetime Prosthetics): $500,000-$2,000,000
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):

Economic Damages: $1,000,000-$4,000,000 (lost financial support to family)
Non-Economic Damages:
- Loss of companionship: $500,000-$3,000,000
- Mental anguish: $250,000-$1,500,000
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.”

Settlement Multiplier Method (How Insurance Calculates)

Insurance companies often use the multiplier method to calculate settlements:
Total Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage

Multiplier Range: 1.5 to 5

Injury Severity	Multiplier Range
Minor injuries (soft tissue, quick recovery)	1.5 – 2
Moderate injuries (broken bones, months recovery)	2 – 3
Severe injuries (surgery, long recovery)	3 – 4
Catastrophic injuries (permanent disability)	4 – 5+

Example – Minor Injury:

Medical expenses: $10,000
Multiplier: 1.5
Pain & suffering: $15,000
Lost wages: $3,000
Total: $28,000

Example – Severe Injury:

Medical expenses: $100,000
Multiplier: 4
Pain & suffering: $400,000
Lost wages: $50,000
Total: $550,000

Factors That Increase Multiplier:

Permanent injury or disability.
Scarring or disfigurement.
Long recovery time (12+ months).
Surgery required.
Ongoing pain management needed.
Clear liability (other driver 100% at fault).
Sympathetic plaintiff (child, elderly, pregnant).
Defendant’s conduct egregious (drunk driving, hit and run).
Strong evidence (video, witnesses).
Permanent restrictions on work or activities.

Factors That Decrease 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.

Why Lupe’s Experience Matters:
Lupe Peña calculated these multipliers for years using insurance company formulas. He knows:

When to push for a higher multiplier (4-5 vs. 2-3).
Which factors insurance weighs most heavily.
How to document cases to justify higher multipliers.
When the multiplier method undervalues the case (catastrophic injuries).
When to abandon the multiplier and demand policy limits.

Insurance Company Tactics Exposed

Insurance companies are not on your side. Their goal is to pay you as little as possible, and they have a playbook of tactics to achieve this. Lupe Peña, our former insurance defense attorney, knows this playbook inside and out—because he used it for years. Now, he uses that knowledge to fight for you.

Tactic #1: Quick Contact & Recorded Statement (Days 1-3)

What They Do:
Within days of your accident, insurance adjusters will contact you—often while you’re still in the hospital, on pain medication, or overwhelmed by the situation. They’ll act friendly and helpful, saying things like:

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

What They’re Really Doing:
They’re building their defense against you with leading questions designed to trap you into minimizing your injuries or accepting partial fault.

Common Questions and Traps:

Question They Ask	What They Want You to Say
“You’re feeling better now, right?”	Trap you into saying you’re improving.
“It wasn’t that bad of an impact, was it?”	Minimize the severity of the collision.
“You were able to walk away from the scene?”	Suggest your injuries aren’t serious.
“Were you distracted at all?”	Get you to admit distraction.
“How fast were you going?”	Hope you overestimate or say “I don’t know.”

The Truth:

You are NOT required to give a recorded statement to the other driver’s insurance company.
Giving a statement without an attorney almost always hurts your case.
Insurance companies know this—that’s why they push so hard.

How Attorney911 Counters:

DO NOT give a recorded statement without us.
Once you hire Attorney911, we become your voice.
All calls go through us.
You don’t talk to adjusters.
We prepare you properly if a statement becomes absolutely necessary.
We sit with you during any statements.
We know their questions because Lupe asked them for years.

Tactic #2: Quick Settlement Offer (Weeks 1-3)

What They Do:
Within days or weeks of your accident, the insurance company will offer you a quick settlement—typically $2,000-$5,000, or sometimes $10,000-$15,000 if they’re worried. They’ll create artificial urgency, saying:

“This offer expires in 48 hours.”
“I 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. For example:

Day 3: Insurance offers $3,500 “final settlement.”
You’re desperate, in pain, and scared, so you sign the release.
Week 6: An MRI shows a herniated disc requiring surgery—costing $100,000.
TOO LATE. You signed the release, so you can’t reopen your claim.
You pay the $100,000 out of pocket, and the insurance company pays nothing more.

The Release is Permanent and Final.

How Attorney911 Counters:

NEVER settle before reaching Maximum Medical Improvement (MMI).
MMI is the point where you’ve recovered as much as medically possible—this could take 6 months, 12 months, or even longer.
You can’t know the true value of your case until you reach MMI.
We know their offers are always lowball—Lupe calculated these offers for years, and he knows they’re offering 10-20% of the true value.

Tactic #3: “Independent” Medical Exam (IME) (Months 2-6)

What They Call It:
“Independent Medical Examination” (IME).

What It Really Is:
An insurance company-hired doctor whose job is to minimize your injuries.

How Insurance Companies Choose IME Doctors:
They select doctors based on:

Who gives insurance-favorable reports (not who’s most qualified).
Doctors who consistently find “no injury” or “pre-existing condition.”
Doctors paid thousands by insurance companies ($2,000-$5,000 per exam).
Doctors who provide repeat business = repeat favorable reports.

What Happens at the IME:

A 10-15 minute “examination” (vs. your treating doctor’s thorough evaluation).
The doctor rarely reviews your complete medical records beforehand.
They ask questions designed to elicit “I’m feeling better” responses.
They look for any reason to minimize your injuries.

Common IME Doctor Findings:

What They Say	What It Means
“Patient has pre-existing degenerative changes.”	Everyone over 40 has some arthritis—used to deny claims.
“Injuries consistent with minor trauma.”	Minimizes your pain and suffering.
“Patient can return to full-duty work.”	Eliminates lost wage claims.
“Treatment has been excessive.”	Attacks your treating doctors.
“Subjective complaints out of proportion to objective findings.”	Medical speak for calling you a liar.

How Attorney911 Counters:

We prepare you extensively before the exam.
We send your complete medical records to the IME doctor first (forcing them to review).
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 (Months 6-12+)

What They Do:
They drag out your case, hoping you’ll get desperate. They’ll say:

“We’re still investigating your claim.”
“We’re waiting for medical records.” (Even if we sent them months ago.)
“We’re reviewing your file.”
They’ll ignore your calls and emails.
They’ll take weeks to respond to simple questions.

Why Delay Works:
Insurance Companies Have:

Unlimited time.
Unlimited resources.
No financial pressure.
They earn interest on your settlement money while delaying.

You Have:

Mounting bills.
Zero income.
Creditors threatening.
A desperate need for money now.

Financial Desperation Makes You Accept Less:

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:

We file a lawsuit to force deadlines.
We set depositions, forcing them to produce witnesses.
We prepare for trial, showing we’re serious.
Lupe understands delay tactics because he used them—he knows when to push.

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.
One video of you bending over = “Not really injured.”

They Monitor ALL Your Social Media:

Facebook, Instagram, TikTok, LinkedIn, Twitter/X, YouTube, Snapchat.
They screenshot everything: posts, photos, check-ins, comments, likes.
They monitor your friends’ profiles for posts mentioning you.
They use facial recognition to find photos you’re tagged in.
They archive your entire social media history.

Examples We’ve Defended:

Example	What Happened	Insurance Claimed	Reality
Old Gym Photo	Gym photo from 3 years ago.	Presented as recent, contradicting injury.	We proved the metadata was pre-accident.
Restaurant Check-in	Facebook check-in at restaurant.	“Partying and having fun.”	Client was sitting quietly having dinner.
Friend’s Comment	Friend posted “Had fun yesterday!”	Evidence of non-injury.	Client was resting at home.
Walking Dog	Video of client walking dog slowly.	“Not disabled.”	Doctor recommended short walks.
Smiling in Photo	Family photo with client smiling.	“Not in pain—she’s smiling!”	Everyone smiles for photos.

7 Rules for Clients:

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

Lupe’s Insider Quote:

“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:
They try to assign you maximum fault to reduce their payment, saying:

“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’s 51% bar rule means:

If you’re 51% or more at fault, you get nothing.
If you’re 50% or less at fault, your damages are reduced by your percentage.

Even Small Fault Percentages Cost 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:

Aggressive Liability Investigation:
- Accident reconstruction proving the other driver’s fault.
- Witness statements supporting your version.
- Police report analysis emphasizing citations.
- Expert testimony on perception-reaction time.
Lupe knows their fault arguments because he made them for years—now he defeats them.

Colossus and Claim Valuation Software

How Insurance Companies ACTUALLY Value Your Claim:
Lupe knows this from the inside—he used these systems for years.

Colossus Software System:

Used by Allstate, State Farm, Liberty Mutual, and others.
Computerized claim valuation system.
Adjuster inputs: injury codes, treatment types, medical costs, lost wages, jurisdiction.
Software outputs: recommended settlement range.
Problem: The system is programmed to undervalue serious injuries.

How It’s Manipulated:
Injury Coding:

Your same injury can be coded in different ways.
“Soft tissue strain” (minor code) vs. “disc herniation” (serious code).
Same injury, different code = 50-100% difference in valuation.
Adjusters are trained to use the lowest possible codes.

Why Lupe’s Experience Matters:

He knows how to present medical records to show the true severity of your injuries.
He knows which medical terms trigger higher valuations.
He knows when the Colossus output is artificially low.
He knows how to beat the algorithm with proper documentation.

Reserve Setting:
What Reserves Are:

Money the insurance company sets aside for your claim.
Based on the worst-case scenario (their estimate of a trial verdict).
The adjuster usually cannot settle for more than the reserve without approval.

How We Increase Reserves:

Hiring experts (shows we’re investing in the case).
Taking depositions (creates litigation expenses).
Filing a lawsuit (forces trial evaluation).
Preparing for trial (shows we won’t back down).

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

Medical Knowledge: Understanding Your Injuries

Traumatic Brain Injury (TBI)

Immediate vs. Delayed Symptoms:
Immediate Symptoms (At Accident Scene or Within Hours):

Loss of consciousness (even brief—seconds to minutes).
Confusion and disorientation (“Where am I? What happened?”).
Vomiting and nausea.
Seizures.
Severe headache.
Dilated pupils.
Slurred speech.
Weakness or numbness.

Delayed Symptoms (Hours to Days Later—CRITICAL):

Worsening headaches that don’t respond to medication.
Repeated vomiting.
Seizures developing days later.
Slurred speech or difficulty speaking.
Personality changes and mood swings.
Sleep disturbances (sleeping much more or unable to sleep).
Sensitivity to light and noise.
Confusion and memory problems worsening.

Why Delayed Symptoms Matter Legally:
Insurance companies claim delayed symptoms aren’t from the accident. Attorney911 uses medical experts to explain that symptom progression is normal for brain injuries.

Severity Classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief loss of consciousness (seconds to minutes), GCS 13-15, may seem “fine” initially but can have serious long-term effects.
Moderate TBI	Loss of consciousness for minutes to hours, GCS 9-12, lasting cognitive impairment, requires hospitalization.
Severe TBI	Extended unconsciousness or coma, GCS 3-8, permanent disability likely, lifetime care needs.

Long-Term Complications:

Chronic Traumatic Encephalopathy (CTE): Progressive brain degeneration, personality changes, dementia.
Post-Concussive Syndrome: Headaches, dizziness lasting months or years (affects 10-15% of TBI patients).
Increased Dementia Risk: A single moderate TBI doubles the risk of dementia later in life.
Personality and Mood Disorders: Depression (40-50% of TBI patients), anxiety, irritability.
Seizure Disorders: Can develop months or years after the injury.
Cognitive Impairment: Memory problems, difficulty concentrating, slowed processing.

Spinal Cord Injury

Injury Levels and Impact:
Cervical Spine (C1-C8, Neck Region):

C1-C4 (High Cervical): Quadriplegia (all four limbs paralyzed), possible ventilator dependence, 24/7 care required.
C5-C8 (Low Cervical): Quadriplegia with some arm/hand function, wheelchair-dependent.

Thoracic Spine (T1-T12, Mid-Back):

Paraplegia: Lower body paralysis, wheelchair-dependent.
Trunk control varies by level.

Lumbar Spine (L1-L5, Lower Back):

Varying degrees of leg weakness/paralysis.
Bowel/bladder dysfunction common.
May walk with assistive devices.

ASIA Impairment Scale:

Grade	Classification	Prognosis
A	Complete	No motor or sensory function below injury—worst prognosis.
B	Sensory Incomplete	Sensory function but no motor function below injury.
C	Motor Incomplete	Motor function but most muscles have less than 3/5 strength.
D	Motor Incomplete	Motor function with most muscles having 3/5 or greater strength.
E	Normal	Full motor and sensory function (recovered).

Secondary Complications:

Pressure sores (leading cause of hospitalization).
Respiratory complications (pneumonia—leading cause of death).
Bowel and bladder dysfunction.
Sexual dysfunction.
Autonomic dysreflexia (life-threatening blood pressure crisis).
Depression (40-60% of patients).
Shortened life expectancy (5-15 years on average).

Amputation

Types:

Traumatic Amputation: Limb severed at the accident scene by collision impact.
Surgical Amputation: Due to crush injuries or infections (like Attorney911’s documented case).

Levels:

Above-Knee: More difficult, less mobility, more expensive prosthetics.
Below-Knee: Better mobility potential, easier prosthetic use.
Upper Extremity: Arm, hand, fingers.
Multiple Limbs: Exponentially more challenging.

Phantom Limb Pain:

80% of amputees experience phantom pain.
Feeling pain in a limb that’s no longer there.
Can be severe and debilitating.
Often a permanent condition.
Requires lifetime pain management.

Attorney911 Case 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.”

Burn Injuries

Classifications:

Degree	Characteristics	Treatment
First-Degree	Superficial, like sunburn, heals in 7-10 days.	Outpatient care.
Second-Degree	Blistering, severe pain, may scar.	Monitor, possible hospitalization.
Third-Degree	Full thickness, destroys all skin, always scars.	Skin grafting required.
Fourth-Degree	Extends into muscle and bone.	Often requires amputation.

Body Surface Area Impact:

% Body Burned	Treatment Required
<10%	Usually outpatient.
10-20%	Hospitalization required.
20-40%	Burn center, ICU, multiple surgeries.
>40%	Extremely life-threatening.
>60%	Often fatal.

Herniated Disc

Treatment Timeline:

Acute Phase (Weeks 1-6): Severe pain, medications, rest. Cost: $2,000-$5,000.
Conservative Treatment (Weeks 6-12): Physical therapy, chiropractic care. Cost: $5,000-$12,000.
Interventional (If Conservative Fails): Epidural steroid injections (series of 3). Cost: $3,000-$6,000.
Surgery (If Injections Fail): Microdiscectomy or fusion. Cost: $50,000-$120,000.

Permanent Restrictions Impact:

Can’t return to physical labor jobs.
Lost earning capacity claims.
Ongoing pain management needs.

Soft Tissue Injuries

Why Insurance Undervalues Soft Tissue:

No broken bones or surgery = appears “minor.”
Difficult to see on X-rays.
Symptoms are subjective (pain, stiffness).

Why Soft Tissue Can Be Serious:

15-20% develop chronic pain.
Can prevent return to physical jobs.
Whiplash can cause permanent problems.
Often misdiagnosed initially (rotator cuff tears thought to be sprains).

Proper Documentation is CRITICAL:

Detailed pain descriptions to doctors.
Consistent treatment (no gaps).
MRI proving injury.
Physical therapy records.
Work restrictions documented.

Psychological Injuries

PTSD After Motor Vehicle Accidents:

32-45% of accident victims develop PTSD symptoms.
Anxiety about driving again.
Fear of getting in cars.
Panic attacks near accident location.
Sleep disturbances, nightmares, flashbacks.
Avoidance behaviors.

Compensable Psychological Damages:

Mental anguish.
Emotional distress.
Anxiety and depression.
Loss of enjoyment of life.
Fear and worry.
Relationship impacts.

Why Choose Attorney911 for Your Somerset Accident Case

When you’re injured in a motor vehicle accident in Somerset, 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.”

What This Means for Your Case:

We know their tactics because Lupe used them.
We anticipate their strategies before they deploy them.
We know how they value claims internally.
We know which IME doctors they favor.
We know how to beat their algorithms.
We speak their language.

No other firm in Somerset has this advantage.

2. Multi-Million Dollar Results

Attorney911 has recovered millions for victims of:

Brain injuries: “Multi-million dollar settlement for client who suffered brain injury with vision loss.”
Amputations: “This case settled in the millions.”
Trucking wrongful death: “Recovered millions of dollars in compensation.”
Maritime injuries: “Significant cash settlement.”

Our results prove we don’t settle cheap.

3. Federal Court Experience

Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas.

Why This Matters:

Complex cases often end up in federal court.
FMCSA trucking regulations are federal.
Diversity jurisdiction for out-of-state defendants.
Federal court requires different skills than state court.

BP Explosion Litigation: “Our firm is one of the few firms in Texas to be involved in BP explosion litigation.”

4. Personal Attention

What Clients Say:

“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

“Ralph reached out personally.” — Dame Haskett

“Consistent communication and not one time did I call and not get a clear answer.” — Dame Haskett

You work directly with Ralph or Lupe, not a case manager assembly line.

5. Contingency Fee – No Risk

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

Free consultation.
No upfront costs.
No hourly billing.
We advance all case costs.
You pay nothing unless we recover for you.

Testimonials from Somerset and Bexar County Clients

“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

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

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

“They make you feel like family and even though the process may take some time, they make it feel like a breeze. They fought for me to get every dime I deserved.” — Glenda Walker

Spanish Language Services

At Attorney911, we understand that language should never be a barrier to justice. Lupe Peña is fluent in Spanish, and our team includes bilingual staff members like Zulema, who clients consistently praise for her kindness and translation skills.

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

“Melani, thank you for your excellent work.” — Miguel J. mayo bermudez

Whether you’re more comfortable speaking English or Spanish, we communicate clearly and compassionately throughout your case.

Frequently Asked Questions About Motor Vehicle Accidents in Somerset

Immediate After Accident

1. What should I do immediately after a car accident in Somerset, Texas?
If you’ve been in an accident in Somerset:

Call 911 and report the accident.
Seek medical attention even if you feel fine (adrenaline masks injuries).
Document everything: 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.

2. Should I call the police even for a minor accident?
Yes. Always call the police. The police report is critical evidence. 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.
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.

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 Somerset?
You can obtain the police report from the responding 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.

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. 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 UM/UIM coverage can compensate you. Watch our video: Uninsured & Underinsured Motorists.

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

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?.

14. When should I hire a car accident lawyer in Somerset?
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% or more at fault, you get nothing.

Watch our video: What Is Comparative Negligence?.

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.

Watch our video: Will Your Case Go to Trial?.

19. 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.

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

Investigation and evidence gathering.
Medical treatment to MMI.
Demand letter to insurance.
Negotiation.
Lawsuit if necessary.
Discovery.
Mediation.
Trial if needed.

Watch our video: What Is the Process for a Personal Injury Claim?.

Compensation

21. 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).

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.

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

27. How much do car accident lawyers cost in Somerset?
Attorney911 works on a contingency fee basis: 33.33% before trial, 40% if trial. You pay nothing unless we win.

Watch our video: How Do Contingency Fees Work?.

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 on my case?
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 or 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 in Somerset?
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.

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. The accident caused a herniated disc requiring surgery. You recover for the new injury, not just the pre-existing pain. We hire medical experts to prove the difference. Lupe knows how insurance attacks pre-existing conditions—he used this defense for years.

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

38. What if the insurance company is my own insurance (UM/UIM claim)?
Uninsured/Underinsured Motorist (UM/UIM) claims are against your own 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 × 4 multiplier = $400,000 pain & suffering. Lupe calculated these for years—he knows how to justify higher multipliers. See Section G 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—gas stations, businesses, Ring doorbells, traffic cameras. Most footage is deleted in 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 in Somerset?
Parking lot accidents are fully compensable. Insurance companies love to argue “parking lot accidents are always 50/50 fault” (lie). We prove fault through: surveillance video, witness statements, damage analysis, 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.

Somerset-Specific Information

Local Courts and Legal Process

Somerset is served by the Bexar County court system. Here’s what you need to know about the local legal process:

Courts Serving Somerset:

Bexar County Civil District Courts: Handle personal injury lawsuits with damages over $250,000 or complex cases.
Bexar County Courts at Law: Handle cases with damages between $200 and $250,000.
Justice of the Peace Courts: Handle small claims under $20,000.

Local Judges:
Attorney911 has experience with the judges in Bexar County, giving us insight into how to present your case effectively.

Local Insurance Adjusters:
We know the insurance adjusters who handle claims in Somerset and Bexar County. This familiarity helps us negotiate more effectively on your behalf.

Local Hospitals and Medical Care

If you’re injured in a motor vehicle accident in Somerset, you may receive treatment at one of these nearby facilities:

Nearest Trauma Centers:

University Hospital (San Antonio): Level I Trauma Center, 22 miles from Somerset.
Brooke Army Medical Center (San Antonio): Level I Trauma Center, 25 miles from Somerset.

Local Hospitals:

Methodist Hospital South (San Antonio): 15 miles from Somerset.
Baptist Health System Hospitals (San Antonio): Multiple locations within 15-20 miles.

Why This Matters:

The quality of medical care you receive can impact your recovery and your case.
We work with local medical providers to ensure you get the treatment you need.
We help you find doctors who accept liens (treat now, pay from settlement) if you’re facing financial hardship.

Dangerous Roads and Intersections in Somerset and Bexar County

Somerset and the surrounding Bexar County area have several roads and intersections known for accidents:

High-Risk Areas:

I-35 Corridor: Heavy truck traffic and frequent collisions.
Somerset Road and FM 2537: Busy intersections with limited visibility.
Loop 1604 (San Antonio): High-speed traffic and frequent lane changes.
US-281 (San Antonio): High volume of commuter and commercial traffic.

Common Causes of Accidents in Somerset:

Distracted driving (texting, phone use).
Speeding and reckless driving.
Failure to yield at intersections.
Drunk or impaired driving.
Poor road conditions or inadequate signage.

How Attorney911 Can Help:

We investigate the specific circumstances of your accident.
We gather evidence from the scene, including surveillance footage and witness statements.
We work with accident reconstruction experts to prove liability.
We fight for maximum compensation based on the specifics of your case.

Local Employers and Economic Context

Somerset is part of the greater San Antonio metropolitan area, which has a diverse economy. Major employers in the region include:

Military: Lackland Air Force Base, Fort Sam Houston, Randolph Air Force Base.
Healthcare: University Health System, Methodist Healthcare System, Baptist Health System.
Education: University of Texas at San Antonio, Texas A&M University-San Antonio.
Retail and Hospitality: The Rim, La Cantera, Six Flags Fiesta Texas.
Manufacturing and Logistics: Toyota Motor Manufacturing Texas, H-E-B Distribution Centers.

Why This Matters for Your Case:

Lost wages are a significant part of your compensation.
We work with vocational experts to calculate lost earning capacity.
If you can’t return to your previous job due to injuries, we fight for compensation for retraining or career changes.

Contact Attorney911 Today

If you or a loved one has been injured in a motor vehicle accident in Somerset, Texas, don’t wait to get the legal help you need. Evidence disappears daily, and the insurance company is already building its case against you.

Call Attorney911 now at 1-888-ATTY-911 (1-888-288-9911) for a free consultation. We don’t get paid unless we win your case, so you have nothing to lose and everything to gain.

Serving Somerset and all of Bexar County, including:

San Antonio
Helotes
Von Ormy
Lytle
Natalia
Atascosa
Macdona

We also serve clients across Texas from our offices in:

Houston: Serving Harris, Montgomery, Fort Bend, Brazoria, Galveston Counties.
Austin: Serving Travis, Williamson, Hays, Bastrop Counties.
Beaumont: Serving Jefferson, Orange, Hardin Counties.

Don’t let the insurance company take advantage of you. With Attorney911, you have a team of experienced, compassionate attorneys who will fight for the compensation you deserve. Call 1-888-ATTY-911 today.