The Morgan Law Group, P.A.
Florida injury lawyers who handle everything for you
Hurt in a crash, a fall, or on someone else's property? Hand us the claim. We deal with the insurance companies while you get treatment.
- No fee and no costs unless we recover money for you
- Most injury claims settle with the insurer, without a trial
- We take every call from the insurance adjusters
- 25+ years
- representing injured Floridians
- $1 billion+
- won for our clients
- 4.4 stars
- 302 Google reviews
- $0
- upfront to start your case
Ratings and memberships may apply to individual attorneys.
Step 1 of 2
Free case review
Three quick questions, then where to reach you.
Answer all three questions to continue.
Free and confidential. No fee and no costs unless we recover money for you.
Step 2 of 2
Where should we reach you?
Received
Thank you. We have your case review.
Our intake team will call you at the number you gave us. If you'd rather not wait, call us now.
Hurt in the last 14 days and haven't seen a doctor yet? Get seen today. Florida PIP only pays if your first treatment is within 14 days.
Call (888) 904-2524How fees, court and insurance calls work with us
The three worries we hear on almost every first call, answered plainly.
You pay nothing unless we recover money
We work on a contingency fee. There's no retainer and nothing to pay to get started. If we recover money for you, our fee comes out of that recovery at the percentage set in your written agreement.
If we don't recover anything, you owe us nothing, fees or costs.
Most injury claims settle without going to court
Calling us starts an insurance claim, not a lawsuit. Most injury claims are settled with the insurance company, without a trial.
If a lawsuit ever becomes the better route, we'll explain why first, and the decision is yours. Our firm keeps the case from start to finish instead of handing you to another firm once a suit is filed.
We handle the doctors, the bills and the adjusters
Once you hire us, the insurance companies call us, not you. We help you get seen by a doctor, keep track of every medical bill, and deal with the billing offices.
Your job is to get better.
Ratings and memberships
Awards, ratings, memberships, and affiliations may apply to individual attorneys and may be subject to each organization's selection criteria.
Injury cases we handle in Florida
Tap the one that fits. We'll start your case review with it.
Injury settlements we've recovered for clients
A selection from our published results. Each one started with a phone call like yours.
We documented the severity and long-term effects of our client's injuries and secured a $1.13 million settlement.
Combined settlement for three clients injured in the same crash.
A high-impact crash involving a delivery driver.
The insurance company first offered $25,000.
Serious injuries; settled through negotiation and case development.
The insurance company first offered $50,000.
Injuries from a fall on another person's property.
Recovered for the family after a driver made an unsafe turn.
Settlement for injuries in a crash involving a Lyft driver.
We showed the store was negligent.
Struck while crossing the street; the insurer first undervalued the claim.
Rear-ended at an intersection.
A head injury the insurer first failed to account for.
Swipe for more results
Past results do not guarantee similar outcomes. Every case is different and is evaluated on its own facts.
See if I have a caseHow your case works, and how little you have to do
Here is the split of work once you hire us.
What you do
3 things
- Tell us what happened, by phone or with the form above.
- Go to your doctor's appointments.
- Say yes or no to a settlement offer.
What we do
Everything else
- Open your claim and notify every insurance company involved.
- Take every call and letter from the adjusters.
- Help you get seen by a doctor and keep your treatment on record.
- Collect the police report, photos, witness statements and medical records.
- Track every medical bill and every missed paycheck.
- Work out what your claim is worth and negotiate with the insurer.
- Explain every offer to you in plain English, or in Spanish.
- File a lawsuit only if it's the better route, and only with your OK.
The lawyers behind The Morgan Law Group
A Florida firm with 15 attorneys, led by two lawyers admitted to The Florida Bar in 1970 and 1997.
Thomas J. Morgan Jr.
Founding Partner, Miami
Tom built the firm around people who have been harmed and need lawyers with the experience to handle it. His rule: the firm takes on a case to handle it from beginning to end, instead of referring you to someone else once a lawsuit is filed. You get direct communication with your attorney.
- Admitted to The Florida Bar in 1997
- J.D., St. Thomas University School of Law; B.S., Florida State University
- Florida Justice Association Eagle Founder Member; Million Dollar Advocates Forum
Thomas J. Morgan Sr.
Partner, Miami
Tom Sr. started his career as a trial lawyer in the Dade County Public Defender's Office and has been in Florida courtrooms ever since. He is an AV rated trial attorney and focuses on personal injury and first and third party claims.
- Admitted to The Florida Bar in 1970
- Senior Trial Assistant Public Defender, Dade County, 1971 to 1976
- J.D., University of Miami
What clients say about The Morgan Law Group
"Unfortunately I was in a motorcycle accident. After the hospital stay i got bombarded with insurance forms, a bunch of letters saying "sign this". I was not in the best shape to know whats going on. I decided to call MLG for help. They contacted me, explained everything to me. I gave them all the Info they needed and let them figure it all out..."
"We have to say that our experience with Morgan Law has so far been outstanding. Everyone that we have dealt with has been wonderful. I feel very confident with this law firm."
"From beginning to end, the team went above and beyond to ensure I had a great experience. They were always attentive, patient, and willing to answer all my questions thoroughly."
"Fue una gran ayuda gracias a Chelsy muy buena professional y muy agradable. Todo se me hizo fácil gracias a su ayuda."
Florida deadlines that can cost you your claim
Three rules most people don't hear about until it's too late.
to file most injury lawsuits in Florida
For negligence claims from incidents after March 24, 2023, Florida gives you two years to file suit (Florida Statutes section 95.11). That used to be four years, so many people still think they have more time than they do. Wrongful death claims also have two years.
Claims against a city, county or state agency have their own notice rules, and those can come due sooner. Building a strong claim takes time, so the earlier we start, the better.
Start my free case reviewto see a doctor after a car crash, or your PIP won't pay
Every Florida driver carries $10,000 in personal injury protection (PIP), but it only pays if your first medical treatment is within 14 days of the crash (section 627.736). Without an emergency medical condition, it stops at $2,500. Crashed in the last two weeks? Get seen today, then call us.
at fault means no recovery
Florida uses modified comparative negligence (section 768.81). If you're 50% or less at fault, your recovery is reduced by your share: 20% at fault on a $100,000 claim means $80,000. Over 50%, and you recover nothing. That's why adjusters ask early how the accident happened.
General information about Florida law, not legal advice about your situation.
Questions people ask before they call
Don't see yours? Ask us directly. The call is free.
Do I have to go to court?
Probably not. Most injury 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.
What does it cost to hire you?
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.
What if I was partly at fault?
You can still recover in Florida as long as you were 50% or less at fault. Your recovery is reduced by your share of the fault. Insurance companies often try to push more of the blame onto you, so don't agree to their version of events before you talk to us.
What if I don't have health insurance?
After a car crash, your own PIP coverage pays 80% of reasonable medical bills up to its limit, whether or not you have health insurance, as long as you're treated within 14 days. For other injuries, or once PIP runs out, we'll help you find a doctor and explain how the bills get paid while your case is open.
How long does an injury case take?
It depends mostly on your recovery. A fair settlement waits until your doctors know the full extent of your injuries, because once you settle you can't go back for more. Simple claims can resolve in months; serious injuries take longer. We'll give you a realistic picture once we know your case.
What if the other driver didn't have insurance?
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'll check every policy that might apply, including ones you may not know about, like a household member's coverage.
Do I have to talk to the insurance adjuster?
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.
What is PIP, and why do the 14 days matter?
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.
Are you Morgan & Morgan?
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.
Start your free case review today
Three quick questions, then your phone number. Our intake team takes it from there, in English or Spanish.
The Morgan Law Group, P.A. · 1600 Ponce de Leon Blvd., Suite 1205, Coral Gables, FL 33134 · (888) 904-2524
The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.
Past results do not guarantee similar outcomes. The information on this page is general and is not legal advice. Contacting us does not create an attorney-client relationship.
© 2026 The Morgan Law Group, P.A.