1.800.980.3352 | 706.317.5733 legal@tedmorganlaw.com


As a personal injury law firm, we deal with insurance companies on a daily basis. In some cases, we file suit against a defendant that is represented by an insurance company. In other cases, we represent clients in first party claims. A first party claim is a claim by an individual directly against their own insurance company for a failure to pay a claim covered by an insurance policy. While we cannot change the terms of your policy, we can aggressively defend your rights to what you are owed under your policy. Contact our law office so we can review your policy and determine if we can help you pursue an insurance claim.

Car Wrecks. Motorcycle Accidents. Tractor Trailer Accidents. Injury at work. Pedestrian injuries. Hit and runs. Dog bites. Homeowner accidents & mishaps on the property of another (slip and falls” or “premise liability”).

What do all these things have in common?

INSURANCE! Some say insurance companies run the world. One thing is for sure, when you have a valid insurance claim, how you handle it can definitely ruin your world without proper legal representation from qualified counsel with the experience and know how to navigate through the applicable insurance policy.

Automobile insurance claims can be complex, confusing and full of legal loopholes, exclusions, and a variety of forms of coverage. Ted Morgan Law has successfully handled thousands of automobile insurance claims for injured drivers and passengers throughout the State of Georgia and Alabama to recover compensation for medical bills, lost wages, loss of earning capacity, anxiety, human pain, human suffering, mental anguish and worry.

So what happens when an accident is reported to the automobile insurance company?

It immediately employs investigators and adjusters to gather data about the possible claims arising from the accident. Part of this investigation process includes obtaining a recorded statement from the drivers and injured persons. These investigators and adjusters (aka “claim reps”) have one goal: to verify coverage and place a value, or reserve, on your claim. But the underlying motives and training of these adjusters will cause you to make statements that minimize or hurt your claim. Adjusters are trained to extract demands from an injured person before the person knows his/her rights or knows what forms of compensation, and more importantly, what amount of compensation can be recovered from the responsible driver. Bluntly, the number one goal of the insurance adjuster is to settle the claim before the injured person finds an attorney.

Liability coverage for automobile accidents is mandatory in Georgia and Alabama. Nonetheless, there are many uninsured drivers on the road in both Georgia and Alabama.

So what happens when you are injured in an automobile accident and the other driver is uninsured?

Certain non-mandatory coverages may be applicable to your injury claim. Examples include medical payments coverage (MPC) or uninsured/underinsured motorists coverage (UM or UIM). Liability coverage insuring the at fault driver is always the primary (first) layer of coverage for the injured person in the automobile accident. Liability coverage is mandatory in Georgia and Alabama. Nonetheless, there are many automobiles and drivers on the road in Georgia and Alabama without proper liability insurance. But do not assume the only policy of liability coverage is the policy insuring the automobile in your accident. Ted Morgan Law can assist in finding all the applicable liability coverages insuring the driver that caused your injury. Some of the more common sources of coverage for compensation for injuries from an automobile accident are discussed below.

  • Medical payments coverage (MPC) will pay your medical bills so long as the bills are related to the injuries caused in the automobile accident. MPC typically comes from the automobile policy covering you, a family member, or a separate policy covering the automobile in which you were a passenger.
  • Uninsured, or underinsured motorist coverage (UM or UIM) typically comes from the automobile policy covering you, a family member, or a separate policy covering the automobile in which you were a passenger. But it works like the liability coverage of the driver that caused the accident. If the value of your injury claim exceeds the policy limits of liability coverage on the at-fault driver’s policy, then your UM/UIM coverage kicks in. Similarly, if the at-fault driver has no liability coverage, then your UM/UIM coverage replaces, or substitutes for, the absence of liability coverage. However, there are many legal pitfalls unique to making UM/UIM claims in Georgia and Alabama. Also, how the injured party handles the injury claim against the liability policy of the at-fault driver can have devastating effects on, and sometimes eliminate, the legal right to make a claim against the UM/UIM policy.


Ted Morgan Law has 20 plus years of knowledge and experience to help you navigate the legal obstacles of UM and UIM claims.


When you need a lifeline to recovery, call Ted Morgan Law (706) 317-5733.


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Receive your free case consultation by contacting Ted Morgan Law. Email us below or call (800) 980-3352. We are ready to get to work to make sure you get the compensation you deserve.



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“I hired Ted Morgan to handle some litigation issues on my behalf. He was able to effectively negotiate a settlement while not attempting to drag out litigation as most attorneys do. He was a “cost-effective professional” that I would and probably will hire again.”