Motor Vehicle Accident Lawyers in Holland, Texas | Attorney911

If you’ve been injured in a car accident in Holland, Texas, you’re not alone. The small but vibrant community of Holland in Bell County sees its share of motor vehicle accidents, from collisions on US-190 to crashes at local intersections. At Attorney911, we understand the physical, emotional, and financial toll these accidents take on victims and their families. With over 25 years of experience helping Texas accident victims, our Holland car accident lawyers are here to fight for the compensation you deserve.

Why Holland, Texas Accidents Require Local Legal Expertise

Holland may be a small town with a population of around 1,100, but its location along US-190 and proximity to major highways like I-35 create unique traffic patterns that contribute to accidents. Whether you were injured in a collision near the Holland High School, at the intersection of US-190 and FM 2268, or on one of the many rural roads in Bell County, our team knows how to navigate the local legal landscape to protect your rights.

Ralph Manginello, our founding attorney with more than 25 years of experience, has handled countless cases in Bell County and throughout Central Texas. Our firm’s deep understanding of local courts, judges, and insurance adjusters gives our Holland clients a significant advantage when pursuing compensation.

The Stark Reality of Motor Vehicle Accidents in Texas

Texas remains one of the most dangerous states for drivers, with:

251,977 people injured in motor vehicle crashes in 2024 alone
1 crash occurring every 57 seconds somewhere in Texas
1 person injured every 2 minutes and 5 seconds
4,150 fatalities in 2024

In Bell County, where Holland is located, these statistics translate into real lives disrupted by preventable accidents. The Texas Department of Transportation reports that Bell County saw numerous crashes last year, many resulting in serious injuries. When you’re hurt in a Holland car accident, you need more than just a lawyer – you need a legal team that understands both the local community and the complex Texas laws that apply to your case.

Common Types of Motor Vehicle Accidents in Holland, Texas

Car Accidents (Tier 1 – Most Common)

Car accidents are the most frequent type of motor vehicle collision in Holland and surrounding Bell County. These crashes often occur at intersections, on rural roads, or when drivers fail to yield right of way.

Common causes in Holland include:

Distracted driving (texting, phone use)
Speeding on US-190 or FM 2268
Failure to yield at intersections like US-190 and Holland Road
Following too closely on rural roads
Drunk driving, especially on weekends

Injuries we commonly see:

Whiplash and soft tissue injuries
Herniated discs from rear-end collisions
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.”

What this means for Holland victims:
This case demonstrates our ability to handle complex medical complications that can arise from seemingly “minor” accidents. In Holland, where medical resources may be limited and patients often need to travel to Temple or Belton for specialized care, these complications can be particularly challenging. Our team knows how to document the full extent of your injuries and fight for compensation that covers all your medical needs.

Testimonial from a satisfied client:

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

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

18-Wheeler and Truck Accidents (Tier 1 – High Stakes)

Holland’s location near I-35 and US-190 means our roads see significant truck traffic. When large commercial vehicles are involved in accidents, the results are often catastrophic.

Texas trucking statistics:

39,393 commercial motor vehicle crashes in Texas (2024)
608 trucking fatalities
1,601 serious injuries
Texas accounts for 11% of ALL fatal truck crashes nationwide

Why truck accidents are more complex:

Multiple liable parties (driver, trucking company, cargo loader, manufacturer)
Higher insurance limits ($750,000 to $5,000,000+ policies)
Federal regulations (FMCSA) that must be investigated
Critical evidence that disappears quickly (ELD data, black box data)

Federal Motor Carrier Safety Regulations (FMCSA) we investigate:

Hours of Service (HOS) violations
Electronic Logging Device (ELD) data
Driver qualification records
Vehicle maintenance records
Drug and alcohol testing compliance

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.”

Our advantage in trucking cases:
Ralph Manginello is admitted to practice in the U.S. District Court, Southern District of Texas, giving us the ability to handle complex federal cases. Our firm was also one of the few involved in BP explosion litigation, demonstrating our capability to take on billion-dollar corporations.

Nuclear verdict context for Holland truck accidents:

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

These verdicts show that Texas juries are willing to hold trucking companies accountable. Insurance companies know this, which gives us leverage in settlement negotiations for Holland truck accident victims.

Evidence preservation is critical:
ELD (Electronic Logging Device) data can be overwritten in as little as 30 days. Black box data may be automatically deleted after 180 days. We send preservation letters immediately to secure this critical evidence.

If you or a loved one has been injured in a truck accident in Holland or Bell County, call Attorney911 immediately at 1-888-ATTY-911. Time is critical in preserving evidence that can make or break your case.

Drunk Driving Accidents (Tier 1 – Preventable Tragedies)

Drunk driving remains a serious problem in Texas, including in Bell County. These preventable accidents often result in catastrophic injuries or wrongful death.

Texas drunk driving statistics:

1,053 alcohol-impaired driving deaths in Texas (25.37% of all fatalities)
24,000+ DWI-related crashes in Texas (2023)
1 death every 39 minutes nationally from alcohol-impaired driving
Legal limit: 0.08% BAC (Texas Penal Code § 49.04)

Dram Shop Liability in Texas (TABC § 2.02):
Texas law allows victims to sue establishments that serve alcohol to obviously intoxicated patrons who then cause accidents. This means bars, restaurants, and even liquor stores can be held liable.

Signs of obvious intoxication that make establishments liable:

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

Potentially liable parties in Holland drunk driving cases:

Bars and nightclubs in nearby Temple or Belton
Restaurants serving alcohol
Liquor stores
Event organizers (concerts, festivals)
Social hosts (limited circumstances)

Why drunk driving cases often result in higher settlements:

Punitive damages available for gross negligence
Multiple defendants (driver + establishment)
Criminal case can strengthen civil case
Insurance companies cannot easily defend the indefensible

Attorney911’s criminal defense advantage:
Ralph Manginello is a member of the Harris County Criminal Lawyers Association (HCCLA), giving our firm unique insight into both the criminal and civil aspects of DWI cases. We’ve successfully handled DWI defense cases, including:

Breathalyzer machine improperly maintained – case dismissed
No breath or blood test, missing hospital notes – case dismissed day of trial
Video evidence showed client not drunk – case dismissed

This experience gives us insider knowledge of how to build strong drunk driving accident cases for victims.

Testimonial from a client who switched attorneys:

“In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” – Greg Garcia

If you’ve been injured by a drunk driver in Holland, Texas, don’t settle for less than you deserve. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We’ll investigate all potential sources of compensation, including dram shop liability.

Motorcycle Accidents (Tier 2 – High Risk for Riders)

Motorcycle accidents in Holland and Bell County often result in severe injuries due to the lack of protection for riders. Texas saw 585 motorcyclist fatalities in 2024, with many more suffering serious injuries.

Texas motorcycle statistics:

37% of fatal motorcycle accident victims were NOT wearing helmets
90%+ of fatal victims are male
Helmets reduce death risk by 37%
Helmets reduce head injury risk by 69%

Texas helmet law:

Required for all riders under 21
Riders 21+ exempt if they’ve completed a safety course OR have $10,000+ medical insurance

High-risk counties for motorcycle accidents:

Harris County (Houston)
Dallas County
Bexar County (San Antonio)
Tarrant County (Fort Worth)
Travis County (Austin)

Common causes of motorcycle accidents in Holland:

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

The comparative negligence challenge:
Texas uses the 51% bar rule, which means insurance companies will try to blame the motorcyclist to reduce or eliminate compensation. Lupe Peña’s experience as a former insurance defense attorney gives us an advantage in countering these arguments.

Testimonial highlighting our communication:

“Melanie was excellent. She kept me informed and when she said she would call me back, she did. I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.” – Brian Butchee

If you’ve been injured in a motorcycle accident in Holland, don’t let insurance companies blame you for the crash. Call Attorney911 at 1-888-ATTY-911. We know how to prove the other driver’s fault and fight for maximum compensation.

Pedestrian Accidents (Tier 2 – Vulnerable Road Users)

Pedestrian accidents in Holland often occur near schools, parks, and busy intersections. These crashes can be particularly devastating, with pedestrians accounting for just 1% of crashes but 19% of all roadway deaths in Texas.

Texas pedestrian statistics:

6,095 pedestrian crashes in Texas (2024)
768 pedestrian fatalities
Pedestrians = 1% of crashes but 19% of ALL roadway deaths

Critical legal point for Holland pedestrians:
Pedestrians ALWAYS have right-of-way at intersections under Texas law – even at unmarked crosswalks. Many drivers don’t know this. “Anytime there’s an intersection of two streets, the distance between them is a crosswalk” – even if unmarked.

Common pedestrian injuries:

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

Danger zones in Holland:

Near Holland High School and elementary school
Intersection of US-190 and FM 2268
Holland City Park area
Residential neighborhoods where children play

Testimonial about personal attention:

“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

If you or a loved one has been struck by a vehicle in Holland, Texas, you need an attorney who understands pedestrian rights. Call Attorney911 at 1-888-ATTY-911 for a free consultation. We’ll fight to prove the driver’s negligence and secure the compensation you deserve.

Rideshare Accidents (Uber/Lyft) (Tier 2 – Complex Insurance Issues)

Rideshare services like Uber and Lyft have become common in Central Texas, including in areas near Holland. These accidents present unique insurance challenges due to the multiple coverage phases.

Rideshare industry scale:

11 billion trips in US since 2010
17.4 million Uber trips daily
118 million Uber users worldwide

CRITICAL: Rideshare Insurance Phases

Phase	Driver Status	Coverage Available
Period 0 – Offline	App off, personal use	Personal insurance only (TX minimum: 30/60/25)
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

Why this matters for Holland victims:
Insurance coverage varies DRAMATICALLY based on what the driver was doing at the moment of the crash. This complexity is why you need an attorney with rideshare experience.

Who can be injured in rideshare accidents:

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

Attorney911’s advantage:
Lupe Peña’s insurance defense background gives us insider knowledge of how rideshare companies and their insurers evaluate claims. We know how to identify the correct insurance phase and maximize your recovery.

Testimonial about results:

“Leonor is the best!!! She was able to assist me with my case within 6 months.” – Tymesha Galloway

If you’ve been injured in a rideshare accident in Holland or Bell County, don’t navigate the insurance maze alone. Call Attorney911 at 1-888-ATTY-911. We know how to identify all available insurance coverage and fight for maximum compensation.

Hit and Run Accidents (Tier 2 – Protecting Your Rights When the At-Fault Driver Flees)

Hit and run accidents are particularly frustrating because the at-fault driver has fled the scene. In Texas, someone is involved in a hit-and-run accident every 43 seconds.

Texas hit and run penalties (Texas Transportation Code § 550.021):

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

UM/UIM Coverage is Critical:
When the at-fault driver cannot be identified, your own Uninsured/Underinsured Motorist (UM/UIM) coverage can compensate you. Texas allows inter-policy stacking, which means you may be able to combine coverage from multiple vehicles.

Evidence urgency in hit and run cases:

Surveillance footage from nearby businesses is typically deleted within 7-30 days
Witness memories fade quickly
Physical evidence at the scene disappears

How Attorney911 protects hit and run victims:

We send preservation letters to nearby businesses immediately to secure surveillance footage
We canvas the accident scene for witnesses and evidence
We identify all available UM/UIM coverage
We handle all communication with your insurance company

Testimonial about switching attorneys:

“They took over my case from another lawyer and got to working on my case.” – CON3531

If you’ve been the victim of a hit and run accident in Holland, Texas, call Attorney911 immediately at 1-888-ATTY-911. Time is critical in preserving evidence that can help identify the fleeing driver and maximize your compensation.

The 48-Hour Evidence Preservation Protocol

After a motor vehicle accident in Holland, Texas, evidence begins disappearing almost immediately. Here’s what you need to do in the first 48 hours to protect your rights:

Hour 1-6 (Immediate Crisis Response):

✅ 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 immediately. Adrenaline masks injuries, and some serious conditions like traumatic brain injuries may not show symptoms right away

✅ Document Everything:

Take photos of ALL vehicle damage (every angle)
Photograph the accident scene, road conditions, 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, address
Insurance company and policy number
Driver’s license number
License plate number
Vehicle make, model, color

✅ Witnesses:

Get names and phone numbers of any witnesses
Ask if they saw what happened
Record their statements if possible

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

Hour 6-24 (Evidence Preservation):

✅ Digital Preservation:

Preserve all texts, calls, photos, 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, 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/family not to tag you in posts

Hour 24-48 (Strategic Decisions):

✅ Legal Consultation:

Speak with an experienced Holland 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 lawyer review
Early offers are ALWAYS lowball offers
You don’t know the 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

Evidence Deterioration Timeline (Why Time is Critical)

Timeframe	What Disappears	Why It Matters
Day 1-7	Witness memories	Details fade quickly, witnesses become harder to locate
Day 7-30	Surveillance footage	Gas stations (7-14 days), retail stores (30 days), Ring doorbells (30-60 days)
Month 1-2	Insurance defense position	Adjusters build their case against you, settlement position hardens
Month 2-6	Trucking electronic data	ELD/black box data can be overwritten in 30-180 days
Month 6-12	Witness availability	Witnesses move, graduate, memories degrade severely
Month 12-24	Statute of limitations	2-year deadline approaches, pressure to settle increases

What Attorney911 does within 24 hours of retention:
We send preservation letters to ALL parties:

Other driver and their insurance company
Trucking companies (for commercial vehicle accidents)
Businesses near the scene (for surveillance footage)
Employers (if work-related)
Property owners (if premises liability)
Government entities (if applicable)
Vehicle manufacturers (for black box data)

These letters LEGALLY REQUIRE evidence preservation before automatic deletion. Every day you wait, evidence disappears forever. Call Attorney911 NOW at 1-888-ATTY-911.

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

Statute of Limitations (You Have a Strict Deadline)

Texas Civil Practice & Remedies Code § 16.003

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

Exceptions:

Discovery Rule: SOL may start later if injury/cause not immediately discoverable
Defendant Absence: Tolled if defendant leaves Texas
Mental Incapacity: Tolled during incapacity

CRITICAL: Miss the deadline = case BARRED forever. You cannot file a lawsuit after the statute of limitations expires.

Comparative Negligence (Texas 51% Bar Rule)

Texas uses modified comparative negligence with a 51% bar:

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 for Holland accident victims:
Insurance companies ALWAYS try to assign maximum fault to you to reduce their payment. Even small fault percentages can cost you thousands:

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

Lupe Peña’s insurance defense experience helps counter these arguments because he made them for years – now he defeats them.

Texas Minimum Auto Insurance Requirements

Texas is an at-fault state, meaning the at-fault driver’s insurance is responsible for compensating victims. However, Texas only requires minimum coverage:

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

The uninsured motorist problem:

15.4% of US motorists are uninsured (approximately 1 in 7 drivers)
In Texas, this means thousands of drivers on the road with no insurance or only minimum coverage

UM/UIM Coverage is Critical:
Your own Uninsured/Underinsured Motorist coverage can protect you when:

The at-fault driver has no insurance
The at-fault driver has insufficient coverage
The at-fault driver flees the scene (hit and run)

Texas allows inter-policy stacking, which means you may be able to combine coverage from multiple vehicles on your policy.

How Insurance Companies Try to Minimize Your Holland Accident Claim

At Attorney911, we know how insurance companies operate because Lupe Peña spent years working for them. Now he uses that insider knowledge to fight for accident victims in Holland and throughout Texas. Here are the tactics insurance companies use to minimize your claim:

Tactic #1: Quick Contact & Recorded Statement Trap

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

“We just want to help you”
“We need your side of the story”
“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 get you to say things that hurt your case:

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”

Everything you say is documented, recorded, transcribed, and WILL be used against you. You cannot take it back.

The truth:

You are NOT required to give a recorded statement to the other driver’s insurance
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 tell clients: DO NOT give recorded statement without us
Once you hire us, 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: Quick Settlement Offer (The Lowball Trap)

What they do:
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
It 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 extent of your injuries yet. Consider this scenario:

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

RELEASE IS PERMANENT AND FINAL.

How Attorney911 counters:

NEVER settle before Maximum Medical Improvement (MMI)
MMI = as good as you’ll get medically
Could be 6 months, 12 months, 24+ months depending on injuries
Can’t know true case value until MMI
We know 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) Scheme

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 (Lupe knows this):

Selection criteria:

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 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

What insurance companies do:
They drag out your case, hoping you’ll get desperate:

“Still investigating your claim”
“Waiting for medical records” (that we sent months ago)
“Reviewing your file”
“Need additional information”
Ignore 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
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 $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 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 – knows when to push

Tactic #5: Surveillance and Social Media Monitoring

What insurance companies do:
They hire private investigators to:

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 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 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 to protect themselves:

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

Lupe’s insider quote:

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

Tactic #6: Comparative Fault Arguments (Blame the Victim)

What insurance companies do:
They try to assign you MAXIMUM fault to reduce their payment:

“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 51% bar rule means:

If you’re 51%+ at fault → You get NOTHING
If you’re 50% or less at fault → Your damages reduced by your percentage

Even small fault percentages cost thousands:

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

How Attorney911 counters:

Aggressive liability investigation
Accident reconstruction proving 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: How Insurance Companies Actually Value Your Claim

Lupe Peña worked for years at a national defense firm, learning firsthand how insurance companies value claims using software called Colossus.

How Colossus works:

Step	What Happens
1. Data Entry	Adjuster inputs injury codes, treatment, costs, jurisdiction
2. Coding	Injuries coded using standardized medical terms
3. Calculation	Software applies algorithms to determine “value”
4. Range Output	System provides recommended settlement range
5. Authority	Adjuster typically cannot exceed 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 reduction
Conservative Treatment Penalty	Chiropractic valued less than MD
Pre-Existing Reduction	Any prior condition used to reduce value
Jurisdiction Factor	Low-verdict counties get lower values

Why Lupe’s experience matters:

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

What You Can Recover: Damages in Holland Motor Vehicle Accident Cases

If you’ve been injured in a motor vehicle accident in Holland, Texas, you may be entitled to compensation for:

Economic Damages (No Cap in Texas)

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

Non-Economic Damages (No Cap Except Medical Malpractice)

Damage Type	What It Covers
Pain and Suffering	Physical pain from injuries, both past and future
Mental Anguish	Emotional distress, anxiety, depression, fear, PTSD
Physical Impairment	Loss of physical function, disability, limitations
Disfigurement	Scarring, permanent visible injuries affecting appearance
Loss of Consortium	Impact on marriage/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. Common in drunk driving cases.
Cap: Greater of $200,000 OR (2x economic damages + 1x non-economic damages, max $750,000 for non-economic portion)

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):

Medical Treatment: $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):

Medical Treatment: $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

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 range from $2,500,000 to $13,000,000+
SETTLEMENT RANGE: $4,770,000-$25,880,000

Amputation:

Medical Treatment: $170,000-$480,000
Future Medical: $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):

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

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.”

Why Choose Attorney911 for Your Holland Motor Vehicle Accident Case

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 Holland 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 Holland or Bell County 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 for Holland victims:

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 You Can Trust

What our clients say about our communication:

“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 to You

“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 Satisfied Clients

Communication & Care:

“Melanie was excellent. She kept me informed and when she said she would call me back, she did. I got to speak with Ralph Manginello once and knew quickly the way his Firm was ran.” – Brian Butchee

“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

Results & Speed:

“Leonor is the best!!! She was able to assist me with my case within 6 months.” – Tymesha Galloway

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

Switching from Other Attorneys:

“In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.” – Greg Garcia

“They took over my case from another lawyer and got to working on my case.” – CON3531

Spanish Language Services:

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

“They solved in a couple of months what others did nothing about in two years.” – Angel Walle

Ralph’s Personal Involvement:

“Mr. Manginello guided me through the whole process with great expertise…tenacious, accessible, and determined throughout the 19 months.” – Jamin Marroquin

“Ralph Manginello is indeed the best attorney I ever had..He cares greatly about his results.” – AMAZIAH A.T.

Overall Excellence:

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

“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

Frequently Asked Questions About Holland Motor Vehicle Accidents

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

If you’ve been in an accident in Holland:

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

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

Yes. Always call 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 Holland, Texas, you can obtain the police report from the responding agency or through the Texas Department of Transportation’s Crash Records Information System (CRIS).

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 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/underinsured?

Your own UM/UIM coverage can compensate you. Watch our video: “Uninsured & Underinsured Motorists” at https://www.youtube.com/watch?v=kWcNFyb-Yq8

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.

13. Do I have a personal injury case?

You may have a case if:

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

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

14. When should I hire a car accident lawyer?

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

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

In Texas: 2 years from the date of accident for personal injury, 2 years from date of death for wrongful death. Miss it = case barred forever.

16. What is comparative negligence and how does it affect me?

Texas uses the 51% bar rule. If you’re 50% or less at fault, you can recover (reduced by your fault %). If 51%+ at fault, you get nothing.

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

17. What happens if I was partially at fault?

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

18. Will my case go to trial?

Most cases settle before trial. But Attorney911 prepares every case AS IF it’s going to trial. That’s what gives us leverage.

Watch our video: “Will Your Case Go to Trial?” at https://www.youtube.com/watch?v=2Ed5AnmCMcc

19. How long will my case take to settle?

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?” at https://www.youtube.com/watch?v=XwzYymneDVs

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.

27. How much do car accident lawyers cost?

Attorney911 works on contingency: 33.33% before trial, 40% if trial. You pay nothing upfront. We don’t get paid unless we win.

Watch our video: “How Do Contingency Fees Work?” at https://www.youtube.com/watch?v=upcI_j6F7Nc

28. What does “no fee unless we win” mean?

You pay zero unless we recover money for you. If we don’t win, you owe us nothing. We advance all case costs.

29. How often will I get updates?

Attorney911 provides regular updates. As client Dame Haskett said: “Consistent communication and not one time did i call and not get a clear answer.”

30. Who will actually handle my case?

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

31. What if I already hired another attorney?

You can switch. As client Greg Garcia said: “In the beginning I had another attorney but he dropped my case although Mangiello law firm were able to help me out.”

32. What common mistakes can hurt my case?

Giving a recorded statement without an attorney
Accepting a quick settlement
Delaying medical treatment
Gaps in treatment
Posting on social media
Signing releases or authorizations
Not documenting everything

Watch our video: “Client Mistakes That Can Ruin Your Case” at https://www.youtube.com/watch?v=r3IYsoxOSxY

33. Should I post about my accident on social media?

NO. Make all profiles private. Don’t post about the accident, injuries, or activities. Insurance monitors everything.

34. Why shouldn’t I sign anything without a lawyer?

Releases are PERMANENT. Medical authorizations give unlimited access. Settlement offers are binding. Once signed, you can’t undo it.

35. What if I didn’t see a doctor right away?

See one NOW. Explain you didn’t realize the severity of your injuries. Delayed symptoms are common. We can still help.

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. “Eggshell plaintiff” rule: Defendant takes victim as they find them.

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

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.

38. What if the insurance company is my own insurance (UM/UIM claim)?

Uninsured/Underinsured Motorist claims are against YOUR insurance when the other driver has no insurance or insufficient insurance. Your insurance company will fight your claim just like the other driver’s insurance would. You need attorney representation.

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, and clear liability.

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. Damage caps may apply. These cases are complex – you need an experienced attorney.

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

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

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.

43. What if the accident happened in a parking lot?

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, and traffic patterns.

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.

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.

Holland, Texas Motor Vehicle Accident Resources

Local Hospitals and Trauma Centers:

Baylor Scott & White Medical Center – Temple (Level II Trauma Center)
Scott & White Hospital – Belton (Emergency Care)
Seton Medical Center Harker Heights (Emergency Care)

Local Law Enforcement:

Holland Police Department: (254) 657-2221
Bell County Sheriff’s Office: (254) 933-5400
Texas Department of Public Safety – Temple Office: (254) 778-6751

Texas Department of Transportation:

TxDOT Crash Records: https://cris.dot.state.tx.us/
Bell County Road Conditions: https://www.txdot.gov/inside-txdot/district/br/road-conditions.html

Legal Resources:

Texas State Bar: https://www.texasbar.com/
Bell County District Courts: https://www.bellcountytx.com/government/departments/courts/
Texas Civil Practice & Remedies Code: https://statutes.capitol.texas.gov/Docs/CP/htm/CP.16.htm

Support Groups:

Brain Injury Association of Texas: https://www.biatx.org/
Spinal Cord Injury Support Group – Temple: Contact Baylor Scott & White for information
Mothers Against Drunk Driving (MADD): https://www.madd.org/

Contact Attorney911 – Your Holland Motor Vehicle Accident Lawyers

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

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

Why call us?

Free, no-obligation consultation
We don’t get paid unless we win your case
Former insurance defense attorney on your side
25+ years of experience helping Texas accident victims
Multi-million dollar results
Personal attention – you work directly with Ralph or Lupe
Hablamos Español

We serve all of Bell County and Central Texas, including:

Holland
Temple
Belton
Killeen
Harker Heights
Nolanville
Salado
Little River-Academy
Rogers
Troy

Don’t let insurance companies take advantage of you. Call Attorney911 today at 1-888-ATTY-911.

Se habla español. Llame hoy para una consulta gratuita.

Remember: Every day you wait, evidence disappears. Call now before it’s too late.

Attorney911 – Legal Emergency Lawyers™
The Manginello Law Firm, PLLC
Principal Office: Houston, Texas
Serving Holland, Bell County, and all of Central Texas