If the victim of negligence does not have insurance, how do their medical bills get paid while the insurance company itself (and often the established medical science) opposes them in order to avoid paying for damages? Asknown as Letter of Protection (LOP).
A letter of protection simply states that the law firm issuing the letter has agreed to defend the amounts owed to a medical provider for treatment provided to the injured party and the resolution of the client/patient's personal injury case.
But, that bill will be satisfied when personal injury case is finalised. In return, the medical provider agrees to cease all collection efforts until the matter is finalized.
Why would I need a security letter?
In the current political climate, one of the issues most discussed and debated in Congress (and the media) is healthcare.
The creation of the Affordable Care Act under the Obama administration was designed, in large part, to reduce, or (in an ideal world) eliminate, the number of uninsured individuals living in the United States.
While the number of uninsured individuals in this country has decreased Affordable Care Act, it has not disappeared, and the quality of plans available in the open markets is sometimes debatable. Suffice it to say, not everyone has easy access to excellent healthcare.
When someone with a high-quality health insurance plan suffers a motor vehicle accident or someone else's negligence, that person may personal injury protection (PIP)be thinking about paying forWill not have to insist from pocket.
However, someone without quality health insurance may find themselves afraid to get the care they need for fear that they will personally end up owing the bills if something goes wrong with the case.
Letters of protection are for exactly this situation.
As stated above, they avoid the patient being sent to collections while the case is ongoing, and (more importantly) they allow the patient to receive needed care that they otherwise would have been unable to receive.
A letter of protection after a
work injury When you get hurt at work, your health insurance and your employer's workers' compensation insurance may argue about what's really medical billsgoing to help youWill write a cover letter for medical care even if insurers can't agree on who is liable.
These letters let healthcare providers know that they will receive compensation if a settlement or award is reached.
Letter of protection after a car accident Car accidents
are one of the main reasons we write protection letters. When you get hurt in a car accident, you can go to the emergency room the same day.
A few weeks later, you'll receive a bill in the mail asking you to pay the balance. How is this possible when you have health insurance? In many cases, insurers will argue over paying the bills.
It is common after a car accident when they believe that another party is to blame. By writing a security letter on your behalf, we can help you get the remedies you need and keep creditors off your back.
This letter will tell the doctors and hospitals that they will receive payment for the services provided after your claim or lawsuit reaches its conclusion.
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Is a Protection Letter Legally Binding?
The protection letter is a legally binding contract that exists between your personal injury attorney, you, and your healthcare provider.
letter promises that medical expenses reach the settlement of your injury claim after your case is over. If you don't win your case, you still promise to make those payments and repay the loan.
How do I write a letter of protection?
A letter of security is a legally binding contract. Therefore, we do not recommend writing LOPs yourself.
These letters are best handled by an experienced injury attorney in our office. We can make sure that your letter is sent to the appropriate medical institutions or providers and that you are receiving the treatment you need.
Can the security letter be used against me?
If letters of protection allow injured persons to receive necessary care for injuries that result from the negligence of others when they would otherwise not be able to receive said care, what is the problem?
The problem lies in perception. Or rather, it lies in the notion that insurance companies try to make letters of protection about the lawyers who provide them and the doctors who accept them.
Insurers may try to use the LOP against you. They may claim that medical professionals are biased because of this LOP.
However, our lawyers will not allow insurers to implement this strategy.
Why doctors are wary of security letters
When a doctor accepts a security letter, they are taking a risk. The risk is that they will not be paid anything for their work. Meanwhile, when a doctor bills health insurance, payment is guaranteed (or at least, that's an issue for another time) at the pre-agreed rate.
However, due to the volatile nature of personal injury cases, extended periods of time will go by without the medical provider receiving payment, and the fact that many cases do not result in sufficient recoveries to pay all of the patient's medical bills. .
Including letters of protection, doctors will often receive payments that far exceed insurance and Medicare rates in cases where the patient is properly compensated for their injuries.
Defense attorneys and insurance companies will often regard the existence of the protection letter as impregnable evidence that the doctor's opinion of the reasonableness and necessity of the medical treatment provided is tainted and biased.
Often, exhaustive personal injury trials turn into an investigation of doctors' motivations for providing care.
Ultimately, letters of protection allow injured individuals to receive necessary care they would otherwise be unable to undergo. Insurance companies fight them as they fight everything; In this way they increase their profits.
Often, their entire attack is based solely on the idea that doctors make too much money. But it's important to remember that they provide very important benefits for those in need.
What happens if I don't win my injury case?
If you do not win your car accident lawsuit, you are still responsible for the medical bills. The medical provider will pursue them and you will have to pay this loan like any other loan.
For this reason alone, it is important that you retain experienced attorneys who can fight for you. An experienced personal injury attorney can provide you with the legal skills and insight needed to ensure that you can seek compensation for accident injuries.
Being able to provide a letter of protection just scratches the surface of what a personal injury lawyer can do for those seeking legal action over accident injuries.
At Dolman Law Group Accident Injury Lawyers, PA, our accident attorneys will fight aggressively for your rights and lost wages, help you obtain the compensation you need to pay forOur firm has years of experience serving the people of Florida by providing award-winning legal representation.
Many of our satisfied clients have benefited from our legal assistance in the form of thorough investigation of their accident, expert legal insight, efficient settlement negotiations, management of myriad of legal forms and paperwork as well as fighting for you in the court of law.
Contact a PIP Attorney Today With Your Questions If
you were injured in a car accident or slip/trip and fall and have questions about the nature of your rights, Dolman Law Group Accident Injury Lawyers, PA, a leading national personal Injury Law Firm. We can advise you on what steps you need to take after an accident under your state law.
Contact us online today or call (727) 451-6900 for a free, no-risk consultation.
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DolmanLaw Group Accident Injury Lawyers, PA
800 North Belcher Road
Clearwater, FL 33765
(727) 451-6900