The phone rings at the worst moment of a family's life. At this firm, the answer comes in whichever language the family thinks in.
There is a moment after every serious wreck when an adjuster calls and a family has to decide who to trust. For Spanish speaking households across Texas, that moment has long been a trap. One Texas firm built its practice to close it.
kA 5:ClQ=ECQmkDA2?my] p=6I2?56C {2H u:C>[ H9:49 D6CG6D $A2?:D9 2?5 t?8=:D9 DA62<:?8 72>:=:6D 24C@DD 2== @7 %6I2D[ H2D ?2>65 E96 a_ae C64:A:6?E @7 E96 %6I2D !6CD@?2= x?;FCJ tI46==6?46 pH2C5 E9:D J62C 27E6C 2? :?56A6?56?E C6G:6H @7 ac %6I2D A6CD@?2= :?;FCJ 7:C>D[ 2?5 E96 C6G:6H E@@< DA64:7:4 ?@E6 @7 D@>6E9:?8 C2C6i 4=:6?E C6G:6HD HC:EE6? :? $A2?:D9 56D4C:365 E96 D2>6 6IA6C:6?46 2D C6G:6HD HC:EE6? :? t?8=:D9]k^DA2?mk^Am
kA 5:ClQ=ECQmkDA2?m%96 4@>>:E>6?E EC246D E@ E96 7@F?56CVD @H? A2E9] y@D9 p=6I2?56C H2D 24E:G6 :? E96 w:DA2?:4 {2H $EF56?ED pDD@4:2E:@? 2E $E] |2CJVD &?:G6CD:EJ $49@@= @7 {2H 2?5 3F:=E 3:=:?8F2= D6CG:46 :?E@ E96 7:C>[ H:E9 $A2?:D9 DA62<:?8 :?E2<6 2G2:=23=6 2C@F?5 E96 4=@4<] |@C6 :?7@C>2E:@? :D 2G2:=23=6 2Ek^DA2?m k2 9C67lQ9EEADi^^D6G6C6:?;FCJ=2HJ6CD]4@>^AC24E:46\2C62D^42C\244:56?E\=2HJ6CD^QmkDA2?mE96 7:C>VD 4@==:D:@? 4=2:>D A286k^DA2?mk^2mkDA2?m] pEE@C?6JD 2E E96 7:C> 9@=5 C64@8?:E:@? 3J $FA6C {2HJ6CD 2D #:D:?8 $E2CD :? 6G6CJ J62C D:?46 a_aa[ =:76E:>6 |F=E: |:==:@? s@==2C p5G@42E6D u@CF> >6>36CD9:A[ |:==:@? s@==2C p5G@42E6D u@CF> >6>36CD9:A[ 2?5 2? pGG@ C2E:?8[ H:E9 >@C6 E92? fd J62CD @7 4@>3:?65 6IA6C:6?46] r@?DF=E2E:@?D 2C6 7C66[ D6 923=2 6DA2ñ@=[ H:E9 ?@ 766 F?=6DD E96 7:C> H:?D]k^DA2?mk^Am
k9a 5:ClQ=ECQmkDA2?mq:=:?8F2= 7C@> E96 7:CDE 42== E@ E96 =2DE D:8?2EFC6k^DA2?mk^9am
kA 5:ClQ=ECQmkDA2?mu@F?56C y@D9 p=6I2?56C 2?5 D6G6C2= 2EE@C?6JD @? E96 E62> 2C6 7=F6?E :? $A2?:D9[ 2?5 :?E2<6 CF?D 2C@F?5 E96 4=@4< :? 6:E96C =2?8F286] x? AC24E:46 E92E >62?D E96 C64@C565 DE2E6>6?E 86ED 564=:?65 :? E96 4=:6?EVD =2?8F286[ >65:42= C64@C5D 86E 6IA=2:?65 C2E96C E92? 92?565 @G6C[ 56A@D:E:@?D 86E AC6A2C65 AC@A6C=J[ 2?5 ?@ @?6 D:8?D 2 D6EE=6>6?E E96J 42??@E C625] %96 7:C> 2=D@ >2<6D 9@>6 G:D:ED 2?5 CF?D G:CEF2= 4@?DF=E2E:@?D 7@C 4=:6?ED H9@ 42??@E EC2G6=]k^DA2?mk^Am
kA 5:ClQ=ECQmkDA2?m%CFDE :? =682= D6CG:46D EC2G6=D 3J H@C5 @7 >@FE9[ 2?5 ?@H96C6 >@C6 E92? :? 4@>>F?:E:6D E92E 92G6 366? 3FC?65 367@C6 3J D6EE=6>6?E >:==D 2?5 F?C6EFC?65 42==D] p 7:C> E92E 2?DH6CD 2E >:5?:89E :? E96 =2?8F286 2 8C2?5>@E96C DA62<D 62C?D C676CC2=D ?@ 25G6CE:D6>6?E 42? 3FJ[ 2?5 E96 C6G:6H 4@F?E65 E92E C6AFE2E:@? F?56C :ED 4@>>F?:EJ AC6D6?46 4C:E6C:@?]k^DA2?mk^Am
k9a 5:ClQ=ECQmkDA2?m%96 C64@C5 E92E 564:565 E96 D6=64E:@?k^DA2?mk^9am
kA 5:ClQ=ECQmkDA2?m%96 7F==k^DA2?m k2 9C67lQ9EEADi^^D6G6C6:?;FCJ=2HJ6CD]4@>^23@FE\FD^QmkDA2?m2EE@C?6J E62>k^DA2?mk^2m kDA2?m:D AC@7:=65 @? E96 7:C>VD H63D:E6]k^DA2?mk^Am
kA 5:ClQ=ECQmkDA2?m%96 ?F>36CD 369:?5 E96 D6=64E:@?i @G6C d__ 42D6D C6D@=G65 24C@DD E96 564256 C6G:6H65[ 2?5 ?@E @?6 5676?D6 G6C5:4E :? 2?J 42D6 E92E C624965 2 ;FCJ[ 2? @FE4@>6 4C@DD 4964<65 282:?DE 4@F?EJ 4@FCE C64@C5D 367@C6 AF3=:D9:?8 2?5 8:G6? E96 962G:6DE H6:89E :? D4@C:?8]k^DA2?mk^Am
kA 5:ClQ=ECQmkDA2?mpD @7 yF?6 a_ae E96 7:C> 9@=5D 2 c]h DE2C 2G6C286 24C@DD >@C6 E92? deg v@@8=6 C6G:6HD] %96 2H2C5 C6G:6H H6:8965 E92E 4=:6?E 6IA6C:6?46 2=@?8D:56 EC:2= A6C7@C>2?46[ 42D6 2AAC@249[ AC@76DD:@?2= DE2?5:?8[ 2?5 4@>>F?:EJ AC6D6?46[ H96C6 E96 7:C>VD DA@?D@CD9:AD[ :?4=F5:?8 E96 s2==2D $E2CD 2?5 8C2DDC@@ED D@446C E9C@F89 E96 $A@CE:?8 &?:E65 $@446C {628F6[ C67=64E 2 G:D:3=6 AC6D6?46 :? E96 4@>>F?:E:6D :E D6CG6D]k^DA2?mk^Am
kA 5:ClQ=ECQmkDA2?m(92E D6A2C2E65 E9:D C6G:6H 7C@> 2 D62C49 6?8:?6 C2?<:?8 H2D 2446DDi AC24E:4:?8 2EE@C?6JD H@C<65 E9C@F89 G6C5:4E C6A@CE:?8 D6CG:46D[ 4@F?EJ 5@4<6ED[ 2?5 AC@76DD:@?2= =682= 52E232D6D F?2G2:=23=6 E@ @C5:?2CJ 4@?DF>6CD]k^DA2?mk^Am
kA 5:ClQ=ECQmkDA2?m%96 :DDF:?8 @C82?:K2E:@?[ !6C4J |2CE:?6K |65:42= |2=AC24E:46 {2HJ6CD[ 92?5=6D @?=J >65:42= >2=AC24E:46 42D6D 2?5 @?=J :? u=@C:52[ H9:49 =62G6D :E H:E9 ?@ 4@>A6E:E:G6 DE2<6 :? %6I2D A6CD@?2= :?;FCJ] xED 2??@F?46>6?E 5:D4=@D6D E92E E96 EH@ 7:C>D 92G6 ?@ C676CC2=[ 3FD:?6DD[ @C 7:?2?4:2= E:6D 2?5 E92E E96 2H2C5 H2D ?6:E96C 2AA=:65 7@C[ A2:5 7@C[ ?@C DA@?D@C65] %96 7F== >6E9@5@=@8J :D AF3=:D965 2=@?8D:56 E96 2??@F?46>6?E]k^DA2?mk^Am
k9a 5:ClQ=ECQmkDA2?m%96 E62>k^DA2?mk^9am
k9a 5:ClQ=ECQmkDA2?m~77:46 =@42E:@?Dk^DA2?mk^9am
kA 5:ClQ=ECQmkDA2?my] p=6I2?56C {2H u:C> @A6C2E6D 6:89E @77:46D[ 2== @A6? ac 9@FCD]k^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?ms2==2D w625BF2CE6CDi `ag_` }] r6?EC2= tIAC6DDH2J[ $F:E6 ``__[ s2==2D[ %) fdacb] !9@?6i ceh]g_f]fcg_k^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?mu@CE (@CE9i a`__ }] |2:? $E][ $F:E6 aaa[ u@CE (@CE9[ %) fe`fc] !9@?6i g`f]bb_]afcck^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?mpC=:?8E@?i g_` (] #@25 E@ $:I u=28D $E][ $F:E6 `c`y[ pC=:?8E@?[ %) fe_`a] !9@?6i g`f]gae]heedk^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?mw@FDE@?i f__ |:=2> $E][ $F:E6 `b__[ w@FDE@?[ %) ff__a] !9@?6i f`b]g_c]cffck^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?m$2? p?E@?:@i `aea` $:=:4@? sC][ $F:E6 ``a[ $2? p?E@?:@[ %) fgach] !9@?6i a`_]h_`]e`hak^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?mr2?E@?i `_ab $] %C256 s2JD q=G5][ $F:E6 ``b[ r2?E@?[ %) fd`_b] !9@?6i h_b]bgd]gd__k^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?m~<=29@>2 r:EJi `h__ }@CE9H6DE tIAC6DDH2J[ $F:E6 g`_[ ~<=29@>2 r:EJ[ ~z fb``g] !9@?6i c_d]gdd]hahak^DA2?mkDA2?mk^Am
kA 5:ClQ=ECQmk^DA2?mkDA2?m%F=D2i g`fd t2DE c`DE $E][ %F=D2[ ~z fc`cd] !9@?6i h`g]abg]fdgdk^DA2?mk^Am
kA 5:ClQ=ECQmkDA2?m!2DE C6DF=ED 5@ ?@E 8F2C2?E66 2 D:>:=2C @FE4@>6] tG6CJ 42D6 56A6?5D @? :ED @H? 724ED[ 6G:56?46[ 2?5 2AA=:423=6 =2H]k^DA2?mk^Am
kAmkDA2?m k6>m%9:D 4@?E6?E :D A2:5 7@C 3J E96 DA@?D@C 2?5 :D AC@G:565 7@C :?7@C>2E:@?2= AFCA@D6D @?=J] %96 G:6HD 6IAC6DD65 2C6 E9@D6 @7 E96 DA@?D@C 2?5 5@ ?@E ?646DD2C:=J C67=64E E96 G:6HD @7 E9:D AF3=:42E:@?[ :ED DE277[ @C :ED 277:=:2E6D] k^6>mk^DA2?mk^Am

