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There’s been an accident, it wasn’t your fault, and you are left injured with little or no insurance to cover medical expenses. Rather than suffer potential long term injuries or pay heavily out of pocket there is another option: obtain a Letter of Protection (LOP) from an attorney. 

What are Letters of Protection?

LOPs are documents written by an attorney that will allow a person to seek necessary medical attention and have that care paid for out of the patient’s settlement. This allows you to get the best care possible, right away, and at no risk to your wallet. 

Why do I need an LOP?

Many health insurance plans will not cover injuries caused by automobile accidents and will expect you to seek the funds from your automobile insurance. This is problematic because automobile insurance will expect you to pay for medical expenses upfront and then they may decide what bills to reimburse you for. It is likely that the auto insurance company will pay very little to nothing to settle the claim. Even if the medical care you need lasts for months, the auto insurance company will still require that you pay upfront for all costs. An LOP allows you, the patient, to get care right away because it is a contractual agreement that states all medical expenses will be paid once your case is settled.
LOPs are not just for car accidents either. They can be utilized in any type of personal injury case such as a dog bite or slip and fall. And having an LOP allows you to seek the care you need while keeping a record of how much it costs which will later become valuable to your case.

Can an LOP be used against me?

Opposing attorneys, on the side of the insurance company, may attempt to claim your party is trying to make the costs as high as possible or that the medical care providers are biased, but the reality of the situation is that you wouldn’t even need an LOP in the first place if the insurance company had covered your necessary bills. People who do not seek the help of an attorney may be unaware of LOPs and therefore delay getting treatment until they can pay for it. The insurance company can also use this against people by claiming they didn’t really need medical attention since they had waited to seek it even though that person waited only because they could not pay. Therefore the answer is no, an LOP cannot be used against you. 

How do I Get an LOP?

If you’ve been injured in an accident that was not your fault call us now and we will help you to get the care you need as well as the funds to repair your damages.