Letter of Protection Form
A letter of protection (LOP) is a document developed to help injured people pay for medical care they cannot afford. Auto insurance companies won’t pay for your medical care as you go through treatment; they only pay after all your bills have been submitted, and then they make an offer to to settle your case. With that being said, most insurance carriers expect the injured party to front any medical costs for themselves, but many doctors refuse to treat people through their regular health insurance if their injury was caused by a car crash.
An LOP (Letter of Protection) can be sent to a medical provider by an injured party’s attorney that says the injured person agrees to pay all medical expenses owed out of any future money recovered by a settlement or trial judgment. If there is no money recovered from the case, the injured person still owes the medical provider for the full bill of treatment.
A letter of protection can also be given to a patient by a medical provider to make sure all services rendered are paid for either by case settlement, judgment or out-of-pocket.
Sometimes, the greatest challenge for those injured in automobile accidents is getting the necessary treatment for their injuries. Often times, the injured person will have no insurance, auto or medical, to cover the treatment. Worse yet, the negligent driver’s insurance will not pay until the case is settled. This means that the injured person must seek alternative means of obtaining medical treatment. One possibility is a letter of protection from a personal injury attorney.
First, the letter of protection is not a guarantee that the doctor will be paid. Instead, it is a guarantee that the medical or other treatment provider will be paid in the event that there is a settlement or verdict. If there is no settlement or verdict, the attorney is not responsible to the provider for your medical bills. This leads to the question, “Who is responsible for the treatment if there is no settlement or verdict?” The answer unfortunately is that you are solely responsible for the medical and other treatment expenses if there is no settlement or verdict. This is a possibility so it important that you choose your attorney wisely.
Here is a sample of a Letter of Protection;
Las Vegas, NV 89123
Dear Dr John Doe.
The purpose of this letter is to verify that we, John Doe Law Firm, have taken on one of your recent clients injury claim cases. Jane Doe came to us after she was in a car accident and wanted compensation for the other driver’s negligence. We have decided to take on her case, and are confident we will get a cash settlement very soon.
You can be assured that when we do receive the cash settlement, any outstanding debts Jane Doe has with you, specifically file #954867, will be paid in full.
We thank you for your cooperation!
John Doe Law Firm
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