What is a Letter of Protection?~3 min read
A letter of protection (LOP) can be a powerful tool if you’ve been injured in an accident and are facing medical bills you can’t pay because you don’t have health insurance. In Texas, many individuals who file personal injury claims use a letter of protection from their attorney in this situation, so they can get necessary medical treatment. Understanding how this works can relieve some of the stress during an uncertain time.
How Does a Letter of Protection Work?
A letter of protection is a document your attorney sends to healthcare providers to assure them that your medical bills will be paid from the settlement or judgment of your personal injury case, to the extent funds are available from the settlement. Essentially, it’s a promise that the bills will be covered once you receive compensation for your injuries. This allows you to get the care you need without paying upfront, which can be a huge relief if you’re facing expensive treatments or surgeries.
Who Qualifies for a Letter of Protection?
Typically, a letter of protection is used in personal injury cases, like car accidents or slip-and-fall incidents. If you’ve been injured and don’t have the resources to cover medical bills while your case is ongoing, you may qualify for an LOP. However, your healthcare provider must agree to the terms of the letter, so it’s important to work with an attorney experienced in handling these agreements.
Benefits of a Letter of Protection
The primary benefit of an LOP is that it allows you to focus on recovery without the financial strain of paying medical bills upfront. It also helps you access medical treatment you might otherwise be unable to afford. This is especially useful if your case takes months or even years to resolve. Additionally, because your attorney is involved, healthcare providers are more likely to feel confident that they will eventually receive payment.
Risks of a Letter of Protection
While an LOP can be helpful, there are some risks involved. If you lose your case or don’t receive as much compensation as anticipated, you may still be responsible for paying the medical bills. It’s crucial to have an attorney who will negotiate with healthcare providers and ensure you’re not left with excessive debt after your case concludes.
How to Get a Letter of Protection
If you think a letter of protection could benefit you, talk to your attorney. They will work with your healthcare providers to set up the agreement. Keep in mind that not every medical provider will accept a LOP, so it’s essential to have a legal team that can guide you through the process.
Conclusion
A letter of protection can be a lifeline if you’re injured in an accident and can’t afford medical care upfront. By partnering with a trusted attorney, you can ensure that your bills are covered while focusing on your recovery.
Contact Springer & Lyle
If you’re dealing with the aftermath of an injury and need help navigating the legal process, Springer & Lyle is here to help guide you. Our experienced team is ready to help you with your personal injury claim. Call us today at 940-387-0404 to schedule a free consultation and get the care and compensation you deserve. Our office is located at 1807 Westminster, Denton, TX 76205.
