Motor Vehicle Accident Lawyers in Somerville, Texas – Attorney911 Fights for You

If you’ve been injured in a motor vehicle accident in Somerville, Texas, you’re not alone. With one crash occurring every 57 seconds in Texas and over 251,000 people injured annually, our roads are dangerous places. At Attorney911, we understand the physical, emotional, and financial toll an accident can take on you and your family. Our experienced legal team, led by Ralph Manginello with over 25 years of experience, is here to fight for the compensation you deserve.

Somerville and Burleson County residents face unique traffic challenges, from rural road hazards to commercial vehicle traffic. Whether you were injured on Highway 36, FM 50, or any local road, our firm has the expertise to handle your case. We know the local courts, judges, and insurance adjusters who handle claims in this area. When you call 1-888-ATTY-911, you’re calling your neighbors who are ready to stand up for you.

The Attorney911 Difference: Insurance Defense Insider Knowledge

What sets Attorney911 apart from other law firms in Somerville is our unique insurance defense background. Our associate attorney, Lupe Peña, spent years working for a national defense firm, learning firsthand how large insurance companies value claims. He knows their tactics because he used them for years. Now, he uses that insider knowledge to fight for victims like you.

This advantage is particularly valuable in motor vehicle accident cases where insurance companies deploy sophisticated strategies to minimize payouts. Lupe understands how they calculate claim values, which doctors they send you to for “independent” medical exams, and how they use surveillance to undermine your case. Having a former insurance defense attorney on your side means we anticipate their moves before they make them.

Comprehensive Motor Vehicle Accident Coverage for Somerville

Car Accidents in Somerville and Burleson County

Car accidents are the most common type of motor vehicle collision in Texas, with over 251,000 people injured annually. In Somerville and Burleson County, drivers face unique risks on rural roads and highways like Highway 36 and FM 50. Common causes of car accidents in our area include:

• Distracted driving (380 deaths in Texas in 2024)
• Speeding
• Failure to yield right-of-way
• Running red lights or stop signs
• Following too closely
• Driving under the influence

Common injuries in car accidents range from whiplash and soft tissue injuries to more severe conditions like herniated discs, broken bones, traumatic brain injuries (TBI), spinal cord injuries, and internal organ damage.

At Attorney911, we’ve helped numerous clients recover compensation after car accidents. 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. As client Chavodrian Miles shared: “Leonor got me into the doctor the same day…it only took 6 months amazing.”

If you’ve been injured in a car accident in Somerville or anywhere in Burleson County, call 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

18-Wheeler and Trucking Accidents

Trucking accidents are particularly devastating due to the size and weight disparity between commercial vehicles and passenger cars. An 18-wheeler can weigh up to 80,000 pounds, while the average car weighs about 4,000 pounds. This size difference often results in catastrophic injuries or fatalities.

In Texas, there were 39,393 commercial motor vehicle crashes in 2024, resulting in 608 fatalities and 1,601 serious injuries. Texas accounts for 11% of all fatal truck crashes nationwide. The Federal Motor Carrier Safety Administration (FMCSA) regulates the trucking industry with strict rules on:

• Hours of Service (HOS): Drivers can work a maximum of 11 hours after 10 consecutive hours off-duty
• Electronic Logging Devices (ELDs): Mandatory since 2017 to track driving hours
• Driver qualifications: Minimum age, CDL requirements, medical certification
• Drug and alcohol testing: Pre-employment, random, post-accident
• Vehicle maintenance: Pre-trip inspections, systematic maintenance programs

Trucking accidents often involve multiple liable parties, including the driver, trucking company, cargo loader, vehicle manufacturer, and maintenance provider. This complexity means more insurance coverage is typically available to compensate victims.

At Attorney911, we have extensive experience handling trucking accident cases. Ralph Manginello is admitted to the U.S. District Court, Southern District of Texas, which is crucial for handling FMCSA cases that often end up in federal court. Our firm is one of the few in Texas to be involved in BP explosion litigation, demonstrating our capability to take on billion-dollar corporations.

As we’ve helped numerous injured individuals and families facing trucking-related wrongful death cases recover millions of dollars in compensation, we’re prepared to fight for you. Call 1-888-ATTY-911 immediately if you’ve been involved in a trucking accident – ELD data can be overwritten in as little as 30 days.

Drunk Driving Accidents

Drunk driving accidents are entirely preventable tragedies that claim lives every day. In Texas, there were 1,053 alcohol-impaired driving deaths in 2024, accounting for 25.37% of all traffic fatalities. With 24,000+ DWI-related crashes in 2023, drunk driving remains a serious problem in our state.

Texas has strong laws to combat drunk driving and hold establishments accountable for over-serving patrons. Under the Texas Alcoholic Beverage Code § 2.02 (Dram Shop Law), bars, restaurants, and other establishments can be held liable if they serve alcohol to someone who is obviously intoxicated and that person then causes an accident.

Signs of obvious intoxication include:

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

Drunk driving cases often qualify for punitive damages, which are designed to punish gross negligence and deter similar conduct. These cases can involve multiple defendants, including the drunk driver and the establishment that served them.

Ralph Manginello’s membership in the Harris County Criminal Lawyers Association (HCCLA) gives our firm unique capability in handling cases involving both criminal charges (DWI) and civil claims. We’ve successfully had DWI charges dismissed in several cases, demonstrating our investigation skills:

• A client charged with drunk driving based on a breath test – we proved the police department wasn’t properly maintaining the breathalyzer machines, leading to dismissal
• A client who drove home at 2:30 AM, hit a curb, and rolled his car – we discovered missing EMS notes and no breath/blood test, resulting in dismissal on the day of trial
• A client charged with DUI/DWI where the primary evidence was a video field sobriety test – we succeeded in having the case dismissed because our client didn’t appear drunk in the video

If you or a loved one has been injured by a drunk driver in Somerville or Burleson County, call 1-888-ATTY-911. We’ll investigate every angle, including potential dram shop liability, to maximize your compensation.

Motorcycle Accidents

Motorcycle accidents are particularly dangerous 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. While helmets reduce the risk of death by 37%, Texas law only requires helmets for riders under 21 or those over 21 who haven’t completed a safety course or don’t have $10,000 in medical insurance.

Common causes of motorcycle accidents in Somerville and Burleson County include:

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

Insurance companies often try to blame motorcycle riders for accidents, using Texas’s 51% comparative fault rule to reduce or deny claims. Lupe Peña’s experience as a former insurance defense attorney is particularly valuable in these cases, as he knows exactly how insurance companies build comparative fault arguments and how to counter them.

If you’ve been injured in a motorcycle accident in Somerville or anywhere in Burleson County, don’t let the insurance company blame you. Call 1-888-ATTY-911 for a free consultation. We don’t get paid unless we win your case.

Pedestrian Accidents

Pedestrians are the most vulnerable road users, and accidents involving pedestrians often result in severe injuries or fatalities. In Texas, there were 6,095 pedestrian crashes in 2024, resulting in 768 deaths. While pedestrians account for only 1% of all crashes, they represent 19% of all roadway fatalities.

Somerville and Burleson County have seen an increase in pedestrian accidents, particularly in areas with higher foot traffic. Under Texas law, pedestrians always have the right-of-way at intersections, even at unmarked crosswalks. 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.

Common pedestrian injuries include:

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

If you or a loved one has been injured in a pedestrian accident in Somerville, call 1-888-ATTY-911 immediately. We’ll fight to protect your rights and secure the compensation you deserve.

Rideshare Accidents (Uber/Lyft)

Rideshare services like Uber and Lyft have transformed transportation in Texas, but they’ve also created complex insurance and liability issues when accidents occur. With 11 billion rides completed in the US since 2010 and 17.4 million daily Uber trips, rideshare accidents are becoming increasingly common.

The insurance coverage available in a rideshare accident depends on what the driver was doing at the time of the crash. This creates four distinct phases with different coverage levels:

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

Third parties (other drivers, pedestrians) account for 58% of those injured in rideshare accidents. Lupe Peña’s insurance defense background is particularly valuable in these cases, as he understands how to navigate the complex insurance coverage issues that often arise.

If you’ve been injured in a rideshare accident in Somerville or Burleson County, call 1-888-ATTY-911. We know how to identify the correct insurance coverage and maximize your recovery.

What to Do After an Accident in Somerville: 48-Hour Protocol

If you’ve been involved in an accident in Somerville or anywhere in Burleson County, taking the right steps immediately can significantly impact your ability to recover compensation. Follow this 48-hour protocol to protect your rights and preserve crucial evidence.

Hour 1-6: Immediate Crisis Response

1. Safety First: If you can move safely, get to a secure location away from traffic.
2. Call 911: Report the accident and request medical assistance if anyone is injured.
3. Seek Medical Attention: Even if you feel fine, get checked by a medical professional. Adrenaline can mask injuries, and some conditions (like traumatic brain injuries) may not show symptoms immediately.
4. Document Everything:
   • Take photos of all vehicle damage from multiple angles
   • 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)
5. 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
6. Witnesses: Get names and phone numbers of any witnesses and ask if they saw what happened.
7. Call Attorney911: 1-888-ATTY-911 for immediate legal guidance before speaking to any insurance company.

Hour 6-24: Evidence Preservation

1. Digital Preservation:
   • Preserve all texts, calls, photos, and videos related to the accident
   • Do not delete anything from your phone
   • Screenshot everything relevant
   • Email copies to yourself for backup
2. Physical Evidence:
   • Secure damaged clothing, glasses, or other personal items
   • Keep receipts for any expenses (towing, rental car, medications)
   • Do not repair your vehicle yet – preserve the damage
3. Medical Records:
   • Request copies of all ER and hospital records
   • Keep all discharge paperwork
   • Follow up with your primary care physician within 24-48 hours
4. Insurance Communications:
   • Note any calls from insurance companies
   • 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”
5. 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

1. Legal Consultation:
   • Speak with an experienced motor vehicle accident attorney
   • Call Attorney911: 1-888-ATTY-911 for a free consultation
   • Have your documentation ready
2. Insurance Response:
   • If insurance contacts you, refer them to your attorney
   • Say: “My attorney will be in touch with you”
   • Provide only basic information: name, date of accident, that you were involved
3. Settlement Offers:
   • Do not accept or sign anything without lawyer review
   • Early offers are always lowball offers
   • You don’t know the full extent of your injuries yet
4. Evidence Backup:
   • Upload all screenshots and photos to cloud storage
   • Email copies to yourself and a family member
   • Create a written timeline of events while your memory is fresh

Week One Priorities

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

Why Evidence Disappears Daily

Every day you wait to take action after an accident, critical evidence disappears. This timeline shows how quickly evidence can be lost:

• Day 1-7: Witness memories begin fading immediately after the accident. Physical evidence like skid marks and debris is cleared from the scene.
• Day 7-30: Surveillance footage is typically deleted:
  • Gas stations: 7-14 days
  • Retail stores: 30 days
  • Ring doorbells: 30-60 days
  • Traffic cameras: 30 days
• Month 1-2: Insurance companies solidify their defense position against you. Vehicle repairs destroy evidence from the vehicles themselves.
• Month 2-6: Trucking electronic data is deleted:
  • ELD (Electronic Logging Device) data: 30-180 days
  • Black box data: Can be automatically overwritten
  • GPS/telematics: Varies by company
• Month 6-12: Witnesses become harder to locate as they move, change jobs, or their memories fade. Medical evidence becomes harder to link to the accident.
• Month 12-24: You’re approaching the two-year statute of limitations, creating pressure to settle. Evidence is severely degraded, and your case value is diminished.

At Attorney911, we understand the critical importance of preserving evidence. Within 24 hours of being retained, we send preservation letters to all parties involved in the accident, including:

• The other driver and their insurance company
• Trucking companies (for commercial vehicle accidents)
• Businesses near the accident scene
• Employers (if the accident was work-related)
• Property owners
• Government entities
• Vehicle manufacturers
• Rideshare companies

These letters legally require the preservation of evidence before automatic deletion occurs. This is why calling 1-888-ATTY-911 immediately after your accident is so crucial.

Texas Motor Vehicle Law Framework

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

Statute of Limitations

Texas has strict deadlines for filing personal injury lawsuits:

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
Minors	Tolled until 18	Then 2 years from 18th birthday

Missing the statute of limitations deadline means your case is barred forever. It cannot be extended or waived. This is why it’s critical to consult with an attorney as soon as possible after your accident.

Comparative Negligence (51% Bar Rule)

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

• If you are 50% or less at fault for the accident, 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.

For example:

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

Insurance companies always try to assign maximum fault to you to reduce their payout. Even small fault percentages can cost you thousands of dollars. Lupe Peña’s experience as a former insurance defense attorney is invaluable in countering these arguments.

Texas Minimum Auto Insurance Requirements

Texas requires all drivers to carry minimum insurance coverage:

Coverage	Minimum Required
Bodily Injury – Per Person	$30,000
Bodily Injury – Per Accident	$60,000
Property Damage – Per Accident	$25,000

However, 15.4% of US motorists are uninsured, and many more carry only the minimum coverage. This is why Uninsured/Underinsured Motorist (UM/UIM) coverage is so important. Texas allows inter-policy stacking, which means you can combine coverage from multiple policies.

Dram Shop Liability

Under the Texas Alcoholic Beverage Code § 2.02, establishments that serve alcohol can be held liable if they serve someone who is obviously intoxicated and that person then causes an accident. This is known as dram shop liability.

To prove dram shop liability, you must show:

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

Signs of obvious intoxication include slurred speech, bloodshot eyes, unsteady gait, impaired coordination, aggressive behavior, and strong alcohol odor.

Wrongful Death vs. Survival Action

In cases involving fatalities, Texas law provides for two distinct types of claims:

1. Wrongful Death Claim:

   • Brought by surviving family members (spouse, children, parents)
   • Recovers damages the survivors suffered from the loss of their loved one
   • Damages include loss of companionship, mental anguish, lost financial support, and funeral expenses

2. Survival Action:

   • Brought on behalf of the deceased’s estate
   • Recovers damages the deceased would have been entitled to if they had survived
   • Damages include pain and suffering before death, medical expenses before death, and lost income before death

Both claims can be pursued simultaneously in Texas.

Proving Liability and Building Your Case

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

1. Duty of Care: All drivers have a legal duty to operate their vehicles safely and obey traffic laws.
2. Breach of Duty: The at-fault driver violated their duty of care through actions like speeding, running a red light, or driving under the influence.
3. Causation: The breach of duty directly caused your injuries. This is proven using the “but for” test: But for the defendant’s actions, you would not have been injured.
4. Damages: You suffered actual harm, which can include physical injuries, financial losses, and emotional distress.

Building a strong case requires collecting and preserving various types of evidence:

Physical Evidence

• Vehicle damage photographs from all angles
• Skid marks, debris, and road damage at the accident scene
• Damaged personal property (clothing, glasses, phone)
• Weather and road condition 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 wage claims)
• Cell phone records (to prove 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

In trucking accident cases, multiple parties may be liable, including:

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

This complexity often means more insurance coverage is available to compensate victims.

Damages and Compensation in Texas Motor Vehicle Accident Cases

If you’ve been injured in a motor vehicle accident in Somerville or Burleson County, you may be entitled to various types of compensation. Texas law allows accident victims to recover both economic and non-economic damages.

Economic Damages (No Cap in Texas)

Economic damages are quantifiable financial losses resulting from your accident:

Damage Type	What It Covers
Medical Expenses (Past)	ER visits, hospital stays, surgeries, doctor visits, physical therapy, medications, medical equipment
Medical Expenses (Future)	Ongoing treatment, future surgeries, lifetime medications, 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 due to permanent injuries
Property Damage	Vehicle repair or replacement, personal property damaged in the accident
Out-of-Pocket Expenses	Transportation to medical appointments, home modifications, household help

Non-Economic Damages (No Cap Except Medical Malpractice)

Non-economic damages compensate for intangible losses:

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

Punitive/Exemplary Damages (Capped)

Punitive damages are available in cases involving gross negligence, fraud, or malice. They are designed to punish the defendant and deter similar conduct. In Texas, punitive damages are capped at the greater of:

• $200,000, OR
• 2 times economic damages plus 1 times non-economic damages (capped at $750,000 for the non-economic portion)

Drunk driving cases often qualify for punitive damages due to the conscious indifference to others’ safety.

Settlement Ranges by Injury Type

The value of your motor vehicle accident case depends on several factors, including the severity of your injuries, the impact on your life, and the available insurance coverage. Here are typical settlement ranges for various injury types in Texas:

Soft Tissue Injuries (Whiplash, Sprains, Strains)

• Medical Treatment: $6,000-$16,000
• Lost Wages: $2,000-$10,000 (2-6 weeks missed work)
• 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 (4-8 weeks missed work)
• 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 (3-6 months)
• 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)

• Past Medical: $96,000-$205,000
• Future Medical: $30,000-$100,000
• Lost Wages: $20,000-$50,000 (6-12 months recovery)
• 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)

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

At Attorney911, we’ve secured a multi-million dollar settlement for a client who suffered a brain injury with vision loss when a log dropped on him at a logging company.

Spinal Cord Injury / Paralysis

Lifetime care costs for spinal cord injuries vary significantly based on the level of injury:

Injury Level	First Year Cost	Each Year After	Lifetime Total
High Tetraplegia (C1-C4)	$1,200,000-$1,500,000	$200,000-$250,000	$6,000,000-$13,000,000+
Low Tetraplegia (C5-C8)	$850,000-$1,100,000	$75,000-$100,000	$3,700,000-$6,100,000+
Paraplegia (T1-L5)	$500,000-$750,000	$70,000-$90,000	$2,500,000-$5,250,000+

Settlement Range: $4,770,000-$25,880,000

Amputation

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

At Attorney911, we’ve helped a client whose leg was injured in a car accident. Staff infections during treatment led to a partial amputation, and 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
• Settlement Range: $1,910,000-$9,520,000

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.

How Insurance Companies Calculate Settlements

Insurance companies use sophisticated software systems like Colossus to calculate claim values. Lupe Peña, our associate attorney, used these systems for years while working for a national defense firm. He knows exactly how they work and how to beat them.

The most common method insurance companies use to calculate pain and suffering is the multiplier method:

Total Settlement = (Medical Expenses × Multiplier) + Lost Wages + Property Damage

The multiplier typically ranges from 1.5 to 5, depending on the severity of the injury:

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+

Factors that increase the multiplier include:

• 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 was egregious (drunk driving, hit and run)
• Strong evidence (video, witnesses)
• Permanent restrictions on work or activities

Factors that decrease the multiplier include:

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

Lupe’s insider knowledge is invaluable in these calculations. He knows how to present medical records to show true injury severity, which medical terms trigger higher valuations, and when the Colossus valuation is artificially low.

Insurance Tactics Exposed: How They Try to Screw You

Insurance companies are not your friends. Their goal is to pay you as little as possible, and they employ sophisticated tactics to achieve this. Lupe Peña spent years working for insurance companies, learning their playbook from the inside. Now, he uses that knowledge to fight for victims like you.

Tactic #1: The Quick Contact and Recorded Statement Trap

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

• “We just want to help you”
• “We need to get 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 is building their defense against you with leading questions:

Question They Ask	What They Want You to Say
“You’re feeling better now though, right?”	Trap you into saying you’re improving
“It wasn’t that bad of an impact, was it?”	Minimize collision severity
“You were able to walk away from the scene?”	Suggest 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:

• 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 know their questions because Lupe asked them for years

Tactic #2: The Quick Settlement Offer

Within days or weeks of your accident, the insurance company will offer you quick money:

• Typical offers: $2,000-$5,000
• Sometimes $10,000-$15,000 if they’re scared
• Sounds good when you have zero money and mounting bills

They create artificial urgency:

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

The trap:
You don’t know the full extent of your injuries yet. Consider this scenario:

• Day 3: Insurance offers $3,500 “final settlement”
• You’re desperate, in pain, scared
• You sign the release
• Week 6: MRI shows herniated disc requiring surgery
• Surgery costs $100,000
• TOO LATE – You signed a release, can’t reopen the claim
• You pay $100,000 out of pocket
• Insurance pays nothing more

Releases are permanent and final.

How Attorney911 counters:

• We NEVER settle before you’ve reached Maximum Medical Improvement (MMI)
• MMI is when you’re as good as you’re going to get medically
• Could be 6 months, 12 months, or 24+ months depending on injuries
• We know early offers are ALWAYS lowball
• Lupe calculated these lowball offers for years – he knows they’re offering 10-20% of true value

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

Insurance companies will send you to a doctor they’ve hired to examine you. They call it an “Independent Medical Examination” (IME), but it’s anything but independent.

What it really is:
A doctor hired by the insurance company to minimize your injuries.

How insurance companies choose IME 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)
• Repeat business = repeat favorable reports

What happens at an IME:

• 10-15 minute “examination” (vs. your treating doctor’s thorough evaluation)
• Rarely review your complete medical records beforehand
• Ask questions designed to elicit “I’m feeling better” responses
• Look for ANY reason to minimize 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 complete medical records to the IME doctor first (forcing 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

Insurance companies will drag out your case, hoping you’ll get desperate and accept a low settlement. They’ll say things like:

• “We’re still investigating your claim”
• “We’re waiting for medical records” (that we sent months ago)
• “We’re reviewing your file”
• “We need additional information”
• They’ll ignore your calls and emails
• Take weeks to respond to simple questions

Why delay works (on people without attorneys):

Insurance Companies Have:

• Unlimited time
• Unlimited resources
• No financial pressure
• They’re earning interest on YOUR settlement money while delaying

You Have:

• Mounting bills
• Zero income
• Creditors threatening
• Need 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

Insurance companies will hire private investigators to follow you and monitor your social media accounts.

What they do:

• Video you doing daily activities
• Film from public places (your driveway, street, stores)
• Follow you to appointments, errands, social activities
• Look for ANY activity contradicting your injury claims
• One video of you bending over = “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:

Example	What Happened	Insurance Claimed	Reality
Old Gym Photo	Gym photo from 3 YEARS AGO	Presented as recent, contradicts injury	We proved metadata was pre-accident
Restaurant Check-in	Facebook check-in at restaurant	“Partying and having fun”	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 smiling	“Not in pain – she’s smiling!”	Everyone smiles for photos

7 Rules for Clients:

1. Make ALL profiles private immediately
2. Don’t post about the accident, injuries, activities, or emotions
3. Don’t check in anywhere
4. Tell friends and family: don’t tag, don’t 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 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

Insurance companies will try to assign you maximum fault to reduce their payment. They’ll claim:

• “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 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:

• We conduct aggressive liability investigations
• Use accident reconstruction to prove the other driver’s fault
• Obtain witness statements supporting your version
• Analyze police reports emphasizing citations
• Use expert testimony on perception-reaction time
• Lupe knows their fault arguments because he made them for years – now he defeats them

Tactic #7: Colossus and Claim Valuation Software

Most major insurance companies use software called Colossus to calculate the minimum they can pay you. Lupe Peña used to work with these systems – he knows exactly how they work and how to beat them.

How Colossus works:

1. Data Entry: The adjuster inputs injury codes, treatment types, costs, and jurisdiction
2. Coding: Your injuries are coded using standardized medical terms
3. Calculation: The software applies algorithms to determine “value”
4. Range 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:

Manipulation	Effect
Low Injury Codes	“Soft tissue strain” instead of “disc herniation” reduces value 50-100%
Excessive Treatment Flags	Therapy beyond “normal” range triggers reductions
Conservative Treatment Penalty	Chiropractic valued less than MD treatment
Pre-Existing Reduction	Any prior condition used to reduce value
Jurisdiction Factor	Low-verdict counties get lower values

Why Lupe’s experience matters:

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

Tactic #8: The Medical Authorization Trap

Insurance companies will ask you to sign a medical authorization so they can “review your records and process your claim.” The form they send gives them access to your ENTIRE medical history – not just accident-related records.

What they’re really doing:
Searching for pre-existing conditions to use against you, including:

• Old injuries from years ago
• Arthritis from 10 years ago
• Prior back pain from 2005
• Any medical condition ever documented

How they use old injuries against you:

• “Your back pain isn’t from this accident – you had back pain in 2010”
• “Your neck injury is pre-existing – you saw a chiropractor in 2015”
• “Your headaches are from a prior concussion, not this accident”
• They ignore that the accident aggravated your pre-existing condition

The truth:

• You’re entitled to compensation even with pre-existing conditions
• If the accident made it worse, you recover for the aggravation
• “Eggshell plaintiff” rule: Defendants take victims as they find them
• Prior injury doesn’t give them license to injure you again

How Attorney911 counters:

• We limit medical authorizations to accident-related records only
• We specify date ranges and providers
• We review ALL authorizations before you sign
• We explain pre-existing conditions properly to insurance companies
• We hire medical experts to explain the aggravation
• We document the difference: “Before accident: mild occasional back pain. After accident: severe constant pain requiring surgery.”
• We prove causation through medical testimony
• Lupe knows this tactic because he requested broad authorizations for years

Tactic #9: The Gaps in Treatment Attack

Insurance companies will scrutinize your medical records for any gaps in treatment. They’ll pounce on:

• Missed one physical therapy appointment?
• Two weeks between doctor visits?
• Stopped treatment for a month?

Their arguments:

• “If you were really hurt, you wouldn’t miss treatment”
• “Gaps in treatment show you’re not really injured”
• “You must have felt better – that’s why you stopped going”
• “Injuries can’t be that serious if you’re not treating consistently”

Why gaps happen (legitimate reasons):

• Couldn’t afford copays
• Couldn’t get time off work
• Transportation issues
• Doctor was booked out
• Insurance denied treatment
• COVID-19 lockdown
• Family emergency

Insurance doesn’t care about reasons:

• They just see the gap
• Use it to minimize your claim
• Argue injuries “resolved” during the gap
• Reduce settlement value

How Attorney911 counters:

• We document reasons for gaps in writing
• We obtain supporting documentation
• We show the gap was beyond your control
• We prove injuries didn’t resolve
• We ensure consistent treatment by:
  • Helping you find doctors who accept liens (treat now, pay from settlement)
  • Connecting you with transportation if needed
  • Coordinating appointments around your work schedule
  • Preventing gaps before they happen
• We explain gaps to insurance companies and juries:
  • “Client couldn’t afford $50 copays while unable to work”
  • “Doctor was booked out 6 weeks – not client’s fault”
  • “COVID-19 shut down the physical therapy clinic”
• Lupe used gaps to minimize claims for years – he knows which explanations insurance accepts

Tactic #10: The Policy Limits Bluff

Insurance companies will claim they only have limited coverage, saying things like:

• “We only have $30,000 in coverage”
• “That’s the policy limit – we can’t pay more”
• “Take it or leave it”
• They hope you don’t investigate further

What they’re hiding:

• Umbrella policies (additional $500,000-$5,000,000)
• Commercial policies (if the driver was working)
• Corporate policies (parent company coverage)
• Multiple policies that stack
• Excess coverage layers

Why they hide coverage:

• Hoping you’ll settle for minimum limits
• Saving millions in additional coverage
• Betting you won’t hire an attorney to investigate
• Most people don’t know to look for additional policies

How Attorney911 counters:

• We investigate ALL available coverage
• Demand full policy disclosure
• Subpoena insurance files if necessary
• Search for umbrella policies
• Identify corporate coverage
• Find employer policies
• Discover parent company coverage
• We file lawsuits to force disclosure through:
  • Discovery process revealing hidden policies
  • Depositions of insurance representatives
  • Document requests for all policies
• Lupe’s insurance knowledge finds hidden policies – he knows the coverage structures insurance companies use

Real example:
Insurance claimed a $30,000 policy limit. We investigated and found:

1. $30,000 personal auto policy
2. $1,000,000 commercial policy (driver was making a delivery)
3. $2,000,000 umbrella policy
4. $5,000,000 corporate policy (parent company)

Total available: $8,030,000, not $30,000.
Our client recovered $3,200,000 instead of $30,000.

This is why hiring an attorney who investigates ALL available coverage matters.

Medical Knowledge: Understanding Your Injuries

At Attorney911, we understand that the medical aspects of your case are just as important as the legal ones. We work with medical experts to explain your injuries and their impact on your life. Here’s what you need to know about common motor vehicle accident injuries:

Traumatic Brain Injury (TBI)

Traumatic brain injuries are among the most serious consequences of motor vehicle accidents. They can range from mild concussions to severe, life-altering conditions.

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 can’t 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. We use medical experts to explain that symptom progression is normal for brain injuries.

Severity Classifications:

Classification	Characteristics
Mild TBI / Concussion	Brief LOC (seconds to minutes), GCS 13-15, may seem “fine” initially but can have serious long-term effects
Moderate TBI	LOC 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: Single moderate TBI doubles dementia risk later in life
• Personality and Mood Disorders: Depression (40-50% of TBI patients), anxiety, irritability
• Seizure Disorders: Can develop months or years after injury
• Cognitive Impairment: Memory problems, difficulty concentrating, slowed processing

Spinal Cord Injury

Spinal cord injuries often result in permanent disability and require lifetime care. The level of injury determines the extent of paralysis:

Injury Levels and Impact:

Injury Level	Characteristics
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
T1-T12 (Thoracic)	Paraplegia (lower body paralysis), trunk control varies by level, wheelchair dependent
L1-L5 (Lumbar)	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 <3/5 strength
D	Motor Incomplete	Motor function with most muscles ≥3/5 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

Amputations can result from traumatic accidents or complications during medical treatment (as in our client whose leg injury led to a partial amputation after staff infections).

Types of Amputation:

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

Levels of Amputation:

• 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

Burn Injuries

Burn injuries are particularly common in vehicle fires and can result in permanent scarring and disfigurement.

Burn 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 care
10-20%	Hospitalization required
20-40%	Burn center, ICU, multiple surgeries
>40%	Extremely life-threatening
>60%	Often fatal

Herniated Disc

Herniated discs are common in motor vehicle accidents, particularly rear-end collisions. The treatment timeline can be lengthy and expensive:

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

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

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

Motor vehicle accidents often cause significant psychological trauma:

• PTSD: 32-45% of accident victims develop PTSD symptoms, including:
  • Anxiety about driving again
  • Fear of getting in cars (as driver or passenger)
  • Panic attacks near accident locations or similar roads
  • 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 Somerville Motor Vehicle Accident Case

When you’ve been injured in a motor vehicle accident in Somerville or anywhere in Burleson County, choosing the right attorney can make all the difference in your recovery. At Attorney911, we offer five unique advantages that set us apart from other law firms:

Advantage #1: Insurance Defense Insider Knowledge

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

This is Attorney911’s most powerful competitive advantage. Lupe spent years working for insurance companies, learning their tactics from the inside. Now, he uses that knowledge to fight for victims like you.

What this means for your case:

• We know their tactics because Lupe used them for years
• We anticipate their strategies before they deploy them
• We know how they value claims internally
• We know which IME doctors they favor and how to counter them
• We speak their language

No other firm in Somerville has this advantage.

Advantage #2: Multi-Million Dollar Results

Attorney911 has a proven track record of securing substantial settlements and verdicts for our clients:

• Multi-million dollar settlement for a client who suffered a brain injury with vision loss when a log dropped on him at a logging company
• In a recent case, our client’s leg was injured in a car accident. Staff infections during treatment led to a partial amputation. This case settled in the millions
• 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
• In a recent maritime 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

As client Glenda Walker shared: “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.”

Advantage #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 handling complex cases, including:

• Trucking accidents involving FMCSA regulations
• Cases against out-of-state defendants
• Product liability claims against vehicle manufacturers
• Cases involving multiple jurisdictions

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

Advantage #4: Personal Attention from Partners

At Attorney911, you work directly with Ralph Manginello and Lupe Peña, not a case manager assembly line. As client Chad Harris said: “You are NOT a pest to them and you are NOT just some client…You are FAMILY to them.”

This personal attention means:

• Your case gets the attention it deserves from experienced attorneys
• You’re never just a number
• We communicate with you regularly and keep you informed
• You have direct access to the attorneys handling your case

Advantage #5: Contingency Fee – No Risk to You

Attorney911 works on a contingency fee basis, which means:

• You pay nothing unless we win your case
• There are no upfront costs
• We advance all case expenses
• Our fee is a percentage of your recovery
• Free consultation available to discuss your case

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

Frequently Asked Questions About Motor Vehicle Accidents in Somerville

Immediate After Accident

1. What should I do immediately after a car accident in Somerville, Texas?

If you’ve been in an accident in Somerville or anywhere in Burleson County:

• 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: 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