What is a Letter of Protection?
A letter of protection is a letter 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, 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. If you or a loved one have been involved in a personal injury accident, contact an experienced Evansville Personal Injury Lawyer near you today.
LOP and Work Injury
When you become injured at work, your health insurance company will refer you to worker’s compensation, offered by your employer. The financial liability will be directed to the property owners if you fall or are 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 easier for you to seek treatment that you might not have been able to afford.
LOP and Auto Injuries
Auto injuries form a large percentage of personal injury cases. Often times, 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 typically do not want to pay for medical expenses. This process can be confusing, especially if you are hurt and don’t have the funds to pay for the treatment out of pocket.
An experienced personal injury attorney will know how to handle the process of submitting a Letter of Protection. The LOP will be sent assuring that the medical bills will be taken care of by the settlement of the claim. 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 no compensation is received, the injured person may still be obliged to pay for the medical bills that have been incurred.
Can a Letter of Protection be Used Against You?
Some insurance companies may use the letter of protection against accident victims. They will insinuate that the medical professional is waiting to recover what is owed. Many who seek a letter of protection are in a bind and there is nothing more they can do under such circumstances.
The Future of LOPs
There has been an ongoing debate in the legal community about the effectiveness of LOPs. Medical funding companies are on the rise and such companies understand the complexities that come with personal injury cases. Many medical providers are of the opinion that LOPs are too risky and it takes a patience for one to see the rewards. Medical providers are ultimately at the mercy of the legal system and there are no guarantees of getting the bills paid.
If you or a loved one have been a victim of personal injury, you should first consult with an attorney. A letter of protection may be seen as a last resort when you have an ongoing personal injury case and don’t have the funds to cover expenses.
For a no-cost case evaluation, contact Tuley Law Office today.
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