The Law Offices of Justin G. Morgan, P.A.Personal Injury Attorneys

Spring 2011

The Law Offices of Justin G. Morgan, P.A. recently represented an individual, who was involved in a modest automobile accident, after which, the client underwent a surgical procedure. Both the insurance companies involved originally argued that the surgery was not related to the automobile accident and neither wanted to pay our client for the procedure. The initial disclosed insurance limits were $10,000.00 in liability coverage from the person who caused the accident, and $100,000.00 in underinsured motorist coverage available from our client’s insurance policy.

When the full claim for payment was presented for our client, the insurance company of the person who caused the accident offered the $10,000.00 policy limit, and our client’s insurance company offered $42,000.00 from a claimed $100,000.00 underinsured motorist policy limit. The Law Offices of Justin G. Morgan, P.A. thoroughly reviewed all the case issues and discovered that our client’s insurance company had not accurately disclosed that the underinsured motorist policy should actually provide $200,000.00 in coverage. Upon learning of the inaccurate disclosure, the firm, on behalf of our client, filed a complaint against the insurance company with the State of Florida. In order to avoid a lawsuit, our client’s insurance company immediately agreed to pay the $200,000.00 underinsured motorist policy limit.

Attention to detail is an integral part of the legal process. Sometimes the most minor detail or oversight provides the basis for recovering or not recovering significant monetary compensation for clients involved in accidents.

At The Law Offices of Justin G. Morgan, P.A. we are not afraid to take on the big insurance companies, on behalf of our clients. Insurance companies have a staff of lawyers to represent the insurance company interests and we, at The Law Offices of Justin G. Morgan, P.A. have made it our mission to protect the interests of our clients. We never represent insurance companies and we know how to protect our clients and make sure that they receive the monetary compensation that they deserve.

If you have been denied coverage after an automobile accident or personal injury of any type and have been offered less than you thought was fair to cover your expenses, call us toll free at 1-800-9-JUSTIN for a confidential, no cost consultation.

$210,000.00 AUTO ACCIDENT RECOVERY

The Law Offices of Justin G. Morgan, P.A. • 1-800-9-JUSTIN • www.JustinMorganLaw.com

EQUAL JUSTICE UNDER THE LAW

IN THIS ISSUEPg. 1 $210,000 Auto Accident Recovery

Pg. 2 Settlements, Recoveries and Verdicts

Pg. 2 Auto Insurance: Are You Fully Covered?

Pg. 3 Areas of Practice

Pg. 4 From the Desk of Justin G. Morgan, Esq.

IN THIS ISSUE

CLIENT CONCERNAre you paying for automobile insurance that protects others and not yourself?

2 • For more articles and information about The Law Offices of Justin G. Morgan, P.A., please visit us at www.JustinMorganLaw.com

At THE LAW OFFICES OF JUSTIN G. MORGAN, P.A. we are proud of our past history of settlements, recoveries and verdicts. Each case is different and each client’s case must be evaluated and handled on its own merit. The facts and circumstances of your case may differ from the matters in which results have been provided and the results provided may not be applicable to your particular matter.

$50,000,000.00+ – In recoveries for our clients $400,000.00 – Auto accident recovery $250,000.00 – Homeowner liability/ Pool liability recovery $210,000.00 – Auto accident recovery $150,000.00 – Slip and fall recovery $175,000.00 – Auto accident recovery $95,000.00 – Life insurance policy dispute lawsuit

recovery, over 100% of policy limit $100,000.00 – Trip and fall recovery $100,000.00 – Auto accident recovery $252,500.00 – Auto accident recovery $137,500.00 – Auto accident recovery $100,000.00 – Auto accident recovery $75,000.00 – Auto accident recovery $75,000.00 – Auto accident recovery $100,000.00 – Auto accident recovery $100,000.00 – Auto accident recovery $100,000.00 – Auto accident recovery $75,000.00 – Auto accident recovery $110,000.00 – Auto accident recovery $100,000.00 – Auto accident recovery $78,000.00 – Auto accident recovery $130,000.00 – Fall down recovery $275,000.00 – Auto accident recovery $100,000.00 – Auto accident recovery $75,000.00 – Auto accident recovery $65,000.00 – Auto accident recovery $125,000.00 – Auto accident recovery $100,000.00 – Auto accident recovery $120,000.00 – Auto accident recovery $127,500.00 – Auto accident recovery $210,000.00 – Auto accident recovery $103,500.00 – Auto accident recovery $97,500.00 – Auto accident recovery Jury trial win: Medical provider (co-counsel) v. Automobile

insurance company Jury trial win: Medical provider (co-counsel) v. Automobile

insurance company300 + policy limit recoveries (not listed above), wherein the insurance company agreed to pay the entire insurance bodily injury (BI) policy limit and/or uninsured or underinsured (UM) policy limit, as settlement and in order to avoid a lawsuit.

NOTABLE SETTLEMENTS, RECOVERIES AND VERDICTS

AUTO INSURANCE: ARE YOU FULLY COVERED?

Many of our clients mistakenly believe that they are fully insured in the event of an automobile accident. Many are not fully insured! The auto insurance policy required by Florida law does NOTHING for your pain and suffering if you are severely injured in an accident and does not fully protect you in case of someone else’s negligence. Florida drivers, who cause an auto accident, are not required to purchase the insurance which pays for the medical expenses, lost wages, or pain and suffering to the individuals that they have injured. Florida law only requires $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage (PD). PIP pays only 80% of your medical bills and 60% of your lost wages up to $10,000, minus any deductible you have.

According to a recent study by the Insurance Research Council on the number of uninsured motorists, Florida ranks eight highest among states, with an uninsured driver rate of over twenty percent. The result is that Florida drivers are at risk every time they operate an automobile that they will be involved in an accident caused by an individual who does not have adequate insurance coverage available to settle a claim nor sufficient personal assets to satisfy a judgment.

How can you protect yourself and your family?There are various coverage types, but why pay for insurance that protects others and not yourself? The Law Offices of Justin G. Morgan, P.A. advises clients to think of insurance as protection for them self. Call your agent if you do not have Uninsured Motorist Coverage (UM) and buy it! UM protects you when the person who harmed you does not have liability coverage or enough insurance coverage to compen-sate you for your injuries. Do not rely on the other vehicle having insurance coverage that will protect you in the event of someone else’s negligence. Protect yourself as much as possible. Call our office toll-free at 1-(800) 9- JUSTIN or in Weston at (954) 217-1016 for additional information regarding insurance coverage that will protect YOU!

YOU MAY NOT KNOW:All prior newsletters of THE LAW OFFICES OF JUSTIN G. MORGAN, P.A. can be found on our website www.JustinMorganLaw.com

For more articles and information about The Law Offices of Justin G. Morgan, P.A., please visit us at www.JustinMorganLaw.com • 3

EQUAL JUSTICE UNDER THE LAW

Thank You For Your Referrals!We continue to receive many referrals from clients, thank you. The most meaningful new client, for our firm, is one that is referred by an existing or past client. If you or a loved one has been injured in an accident, call us as soon as possible. We vigorously represent all clients, no matter how small or big the injury.

• Airplane Accidents and Airplane Crashes• Animal Attacks• Automobile Accidents / Car Accidents• Boating Accidents• Burn Victim Claims• Bus Accidents• Cruise Ship Accidents• Claims against a county, city, or municipality• Dog Bites• Drowning Accidents• Drunk Driver Accidents• Insurance Disputes and Bad Faith• Medical Malpractice• Motorcycle Accidents• General Negligence Claims• Negligent Security (example, claims against a

nightclub, apartment complex, or parking lot operator for not providing adequate security)

• Negligent Supervision of a minor child• Nursing Home Abuse and Nursing Home Neglect• PIP – Personal Injury Protection Insurance Disputes

for Plaintiffs• Products Liability (example, when a company’s

defective design or manufacture of a product causes an injury)

• Sexual Assault, Civil (example, a claim for money damages against the person who sexually assaulted you and/or a property owner for not providing adequate security)

• Slip and Fall / Trip and Fall• Swimming Pool Accidents / Drowning Accidents• Train Accidents• Wrongful Death Claims

REPRESENTING HURT AND INJURED CLIENTS

Dear Clients and Friends:

The Law Offices of Justin G. Morgan, P.A. represents victims who have been injured as a result of the negligence of another person or entity.

We handle all types of personal injury matters including:

Contact us at 1-800-9-JUSTIN and ask to speak to an attorney. There is never any charge for a consultation.

The Law Offices of Justin G. Morgan, P.A.Personal Injury Attorneys2500 Weston Road, Suite 211Weston, FL 33331

The firm’s attorneys are admitted to practice in the State of Florida. 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. © 2011 Justin G. Morgan, P.A.

FROM THE DESK OF Justin G. Morgan, Esq.Dear Clients and Friends,

The Law Offices of Justin G. Morgan, P.A. handle a wide variety of personal injury matters. However, we put special emphasis on protecting our clients who hold the belief that their insurance company will protect them in the event of an automobile accident that is not their fault. Too many Florida drivers do not carry adequate insurance coverage and do not have the assets to protect victims that they have injured. This leaves

clients at risk every time they drive in their cars. We believe that clients must be proactive with their insurance coverage and not rely on their false hope that the other driver will have insurance coverage that will protect them in the event of an unforeseen accident. Our staff is ready to answer all of your insurance questions and we recommend that if you do not already have Uninsured Motorist Coverage (UM) on your auto policy, you need to call your insurance agent immediately and purchase it. The small additional cost could be worth its weight in gold if you are hit by a driver with inadequate insurance.

For more information on our services, to refer a case, or to arrange an appointment, please contact The Law Offices of Justin G. Morgan, P.A. in Weston at (954) 217-1016, Fort Myers at (239) 334-0355, or toll free at 1-800-9-JUSTIN.

Best regards,Justin G. Morgan, Esq.

WESTON OFFICE2500 Weston Road, Suite 211 • Weston, FL 33331

Telephone: (954) 217-1016 • Facsimile: (954) 217-1019

FORT MYERS OFFICE1500 Colonial Boulevard, Suite 200 • Fort Myers, FL 33907

Telephone: (239) 334-0355 • Facsimile: (239) 334-0399

SERVING CLIENTS THROUGHOUT FLORIDA