A letter of protection is a letter that is sent by a personal injury attorney to a medical practitioner. The attorney represents a person who has been injured in an auto accident, a fall or a work-related injury. The purpose of the LOP is to guarantee the payment of medical bills through a future lawsuit. In most instances, most hospitals won’t accept the victim’s insurance coverage as a guarantee of payment. They will need more than that in order to continue treatment. This is due to the fact that insurance companies will deny responsibility if the facts are not obvious. That is why it is important to look for an experienced Evansville Personal Injury Lawyer near you when you’re involved in an accident.
LOP and Work Injury
When you get injured at work, your health insurance company will refer you to worker’s compensation, which is supposed to be offered by your employer. The financial liability will be directed to the property owners if you fall or get injured in a particular building. Not all insurance companies will be willing to pay, especially when the at-fault party is not clear. If the details are clear, a Letter of Protection will make it easy for you to seek treatment that you might not have been able to afford. In return, you’re supposed to pay for the expenses in the form of a settlement.
LOP and Auto Injuries
Auto injuries form the bulk of personal injury cases. Sometimes, it can be challenging to determine who was at fault for the accident. The accused party must have acted in a negligent manner. When you go to a doctor, you’re supposed to pay at the time when the service is being rendered. It should be noted that only a few insurance companies will pay for the injuries resulting from an auto accident. They will expect you to look to your auto insurance carrier to cover the medical expenses.
Auto insurance carriers will also not want to pay for medical expenses. Such details could be confusing, especially when you’re hurt and don’t have the funds to pay for the treatment out of pocket. They will expect you to handle the bills on your own and submit the final figure. This might not be possible under normal circumstances. An accident might happen when you’re not in a good place financially. Most doctors will refuse to treat patients that have been involved in an auto accident because their regular health insurance coverage is not sufficient in most instances.
This is where a letter of protection will come in handy. A good personal injury attorney will know what to do when you reach out to them. They will send the LOP guaranteeing that the medical bills will be taken care of by the settlement of the claim even if it means going to trial. The injured person will get treatment since it is a contract agreement. Once the case has been settled, it is the responsibility of the attorney to ensure that all the medical bills are being taken care of. If there is no compensation received, although it is highly unlikely, the injured person is still obliged to pay for the medical bills that have been incurred.
LOP to Delay Collection
A letter of protection can also be used to delay a medical bill that was previously incurred by the victim. Let’s say you were involved in an auto accident. You get treated and the bill is forwarded to your health care insurance provider but they refuse to pay. You will still have a bill to pay even though you can’t afford to clear it at that particular time. A good personal injury attorney should be able to issue a letter of protection to the hospital or medical facility so that the bill doesn’t hurt your credit. The medical facility will have to wait until the case is resolved before they can demand payment for the medical bills. If there is no settlement, the medical facility will still have the right to collect the payments and you will be responsible for them under such circumstances.
Can a Letter of Protection be Used Against You?
There are insurance companies that can use the letter of protection against accident victims. They will insinuate that the medical professional is waiting to recover what is owed. The reality is that a letter of protection would not be necessary in the first place if insurance companies did their work. Most people who seek a letter of protection are usually in a tight fix and there is nothing more they can do under such circumstances.
Are LOPs Going Away?
There has been an ongoing debate in the legal community about the effectiveness of LOPs. Medical funding companies are on the rise. Such companies understand the complexities that come with personal injury cases. Most medical providers are of the opinion that LOPs are too risky and it takes a lot of patience for one to see the rewards. The medical provider will be at the mercy of the legal system and there are no guarantees of getting the bills paid.
If you’re a victim of a personal injury case, you should first consult with an attorney so that you can weigh all the options. A letter of protection is usually seen as a last resort when you have an ongoing personal injury case and you don’t have the money to cover the expenses. If a reputable personal injury attorney agrees to take on your case, you should rest assured that the case and the medical expenses will not be a big problem in the future.
To sum it up, the most important consideration is to look for an experienced personal injury attorney who can advise you in this situation. You can have more confidence in winning the settlement and not have to worry about your finances when the attorney sends a letter of protection to the medical practitioner that is treating you for the injuries.