Contact Us Today (737) 999-3335
Contact Us Today (737) 999-3335
What each path actually does. Only our own fee is stated here. We don’t speak for anyone else.
| What each path does | Handle it yourself with the adjuster | Ask a chatbot | Hire Attorney Peña |
|---|---|---|---|
| Who deals with the insurance company | You, on the phone with their adjuster | No one. It can’t make a call or send a letter. | Our office. Every call, every letter. |
| Whose interests that person represents | The adjuster works for the insurer | No one’s | Yours |
| Whether what you say is privileged | No. A recorded statement can be used against you. | Generally not | Yes. Attorney-client privilege. |
| Who tracks the two-year Texas filing deadline | You | It may tell you the rule. It won’t track your date. | We calendar it the day you hire us |
| Who collects medical records, bills, and liens | You | No one | We do, and we negotiate the liens |
| Whether the fee is set before work starts | No legal fee | No legal fee | Yes. In writing, before any work begins. |
| What it costs to find out | Nothing, but the number you get is the insurer’s number | Nothing | Nothing. The consultation is free. |
Every personal injury case. Every stage. Your engagement agreement lists exactly this, in writing.
| Stage | What we do | Included |
|---|---|---|
| Free consultation | Abraham reviews your crash, in English or Spanish, and tells you plainly whether you have a case. | Included |
| Investigation | Crash report, scene photos, witness statements, dash-cam and business video before it’s overwritten, vehicle data. | Included |
| Preservation letters | Written notice to the at-fault driver, trucking company, or business to preserve evidence. | Included |
| All insurer contact | Every adjuster call, every recorded-statement request, every letter goes through our office. | Included |
| Records and bills | We collect every medical record and bill and build the damages picture. | Included |
| Demand package | A written demand with liability, medical evidence, lost wages, and future care, sent to the insurer. | Included |
| Negotiation | Abraham negotiates directly. You approve or reject every offer. It is your decision. | Included |
| Lien resolution | Hospital, health-insurance, and Medicare/Medicaid liens negotiated down before you’re paid. | Included |
| Filing suit | If the offer is unfair, we file in the right Texas court and litigate. | Included |
| Trial | Abraham tries cases. If the insurer won’t pay what the case is worth, we are prepared to take it to a jury. | Included |
| Case updates | Updates in your language, from a person, not a portal. | Included |
The rules that decide most car-accident claims in Texas. Each one cites the statute so you can check it yourself.
The clock starts on the date of the crash. Miss it and the claim is gone, no matter how strong it was.
You can recover if you were partly at fault, as long as you were not more than 50% responsible. Your recovery is reduced by your share.
$30,000 per injured person, $60,000 per crash, $25,000 property damage. Many drivers carry only this, which is why your own UM/UIM coverage matters.
Personal injury protection pays your medical bills and lost wages regardless of fault. It’s on your policy unless you rejected it in writing.
The consultation is free. If you hire us, the fee is agreed in writing before any work begins.
You are not required to give the other driver’s insurer a recorded statement. Talk to a lawyer first. It’s free.
It probably told you the two-year deadline, the 51% rule, and not to give a recorded statement. That’s all correct. Here’s what it can’t do, and what it may have gotten wrong about your case.
Ask Abraham Instead. It’s Free.Short answers first. The details follow. Answered by Attorney Abraham Peña.
Not always, but find out before you sign anything. If nobody was hurt and the damage is only to the car, you can often handle it. If you felt any pain, saw a doctor, or the insurer is asking for a recorded statement, call first. The consultation is free, and “minor” injuries are often the ones insurers undervalue.
Nothing to find out. The consultation is free. If you hire us, the fee is agreed in writing before any work begins, so there are no surprises later.
No. Not before talking to a lawyer. You are not required to. The adjuster works for the insurer, and the statement is taken to find reasons to pay less.
Yes, if you were 50% or less at fault. Texas uses modified comparative fault: your recovery is reduced by your percentage of blame, and barred entirely at 51% or more. Insurers push your number up. We push back.
Two years from the date of the crash to file a lawsuit for personal injury (Tex. Civ. Prac. & Rem. Code §16.003). Claims against a city, county, or state agency have much shorter notice deadlines, sometimes only months.
Sí. Abraham is bilingual and handles your case in English or Spanish, from the first call to the last signature. Not a translator. The lawyer.
Check your own policy for UM/UIM coverage. Uninsured/underinsured motorist coverage pays when the other driver can’t. Texas insurers must offer it; many people have it without knowing.
All of Texas. The office is in McAllen, in the Rio Grande Valley, and we represent injured people statewide. Consultations by phone or video.
You pay nothing upfront. Our fee is only collected
if we secure compensation for you.
813 N Main St. Suite 404
McAllen TX, 78501
By Appointment Only
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