Hurt in a car crash? Stop talking to the adjuster.

Probably not. Most car accident claims are settled with the insurance company, without a trial. Hiring us starts a claim, not a lawsuit. If filing suit ever becomes the better route, we'll explain why before anything is filed, and the decision is yours. Many cases that do get filed still settle before trial.

Nothing upfront. We work on a contingency fee: our fee is a percentage of what we recover, set out in your written agreement. If we don't recover money for you, you owe us nothing, fees or costs. The case review is free.

You can still recover in Florida as long as you were 50% or less at fault. Your recovery is reduced by your share: 20% at fault on a $100,000 claim means $80,000. Insurance companies often try to put more of the blame on you, so don't agree to their version of the crash before you talk to us.

You can still get treated. Your own PIP coverage pays 80% of reasonable medical bills up to its limit, whether or not you have health insurance, as long as your first treatment is within 14 days of the crash. Past that, we'll explain how the rest of the bills get paid while your case is open.

Usually in this order: your PIP first, then your health insurance or medical payments coverage if you have it. Bills those don't cover are paid from the settlement when the case resolves. We track every bill so nothing is missed when we negotiate.

This happens a lot in Florida, because drivers aren't required to carry coverage for injuries they cause. You still have options. Your own PIP covers the first part of your medical bills and lost income. If you carry uninsured motorist coverage, it can pay what the other driver should have. We check every policy that might apply, including a household member's.

You don't have to give the other driver's insurance company a recorded statement. Your own insurer can require some cooperation, and we handle that with you. Once you hire us, the adjusters call us, not you.

It's common, and it doesn't end your claim. Don't give another statement, don't sign anything, and don't accept a check that comes with a release until we've read it. A release can end your injury claim for good.

PIP is personal injury protection, the no-fault coverage every Florida driver must carry: at least $10,000 for medical bills and lost income, no matter who caused the crash. It only pays if you get your first medical treatment within 14 days. Miss that window and PIP can deny the claim entirely, so get checked even if you feel fine; some injuries show up days later.

Your car is a separate claim from your injuries. The at-fault driver's property damage coverage (Florida requires at least $10,000) or your own collision coverage pays for the car, usually based on what it was worth right before the crash. Before you sign anything to settle the car, send it to us: some property damage releases are written broadly enough to cover your injury claim too.

Yes. We take car accident cases across Florida, with our main office in Coral Gables and offices in Miami, Orlando, Tampa, Naples, Pensacola and Panama City.

No. The Morgan Law Group, P.A. is a separate, independent firm founded by Thomas J. Morgan Jr., with its main office in Coral Gables. When it's OMG, call MLG.