What is a Letter of Protection in a Personal Injury Claim?
Posted on behalf of Lynch Law Firm on May 27, 2021 in Personal Injury News
A Letter of Protection (LOP) is a promise from you and your attorney to a medical professional providing care that you will pay for all services rendered during your injury claim after it has been resolved.
Doctor’s offices and other healthcare facilities often do not accept LOPs unless a lawyer is involved, so it is important to find an attorney to represent you. Lynch Law Firm’s New Jersey personal injury lawyers are available to discuss this issue and others related to your claim for compensation.
How Can a Letter of Protection Help Me?
If you were seriously injured in an accident and the cost of treating those injuries exceeds your Personal Injury Protection (PIP) limits, you may need help paying medical bills not covered by your health insurance.
Signing an LOP with your medical provider offers a net to injury victims who do not have the means to cover these medical expenses before a claim is resolved and compensation is recovered from the liable insurance company.
Having an LOP would help you get the treatment you need for your injuries while keeping the stress of medical bills at bay during your case.
Is a Letter of Protection Legally Binding?
Yes, an LOP is a legally binding contract between you and your doctor(s), so even if you do not recover compensation for your injuries, you are legally obligated to pay for your treatment.
Remember, you are under no legal obligation to agree to an LOP and your attorneys may only enact this contract with your doctor if you agree to it.
While the possibility of losing your case and ending up with massive medical debt may be a scary thought, it is important to note that our attorneys have experience building strong cases on behalf of our clients and have a proven track record of success.
Can a Letter of Protection Be Used Against Me?
While an LOP may offer some peace of mind for personal injury victims, there are some drawbacks to them, including the insurance company trying to use it against you.
When your doctor signs an LOP for medical treatment, he or she has a vested interest in the outcome of your case. The insurance company will likely use this to attack the credibility of your doctors, claiming they are only interested in the money that will be collected at the end of the case.
However, our attorneys are familiar with this tactic and know how to counter it, such as by providing proof that you lack the means to pay for recommended treatment, or that your health insurance company will not pay for it.
Will Any Doctor Accept a Letter of Protection?
Not every doctor will accept an LOP from injury victims. They may not trust someone they have never negotiated with. Fortunately, our attorneys have been handling injury claims for nearly 30 years and have established connections with reputable doctors who may be willing to negotiate payment for your treatment plan, so you do not have to stress about medical bills while your case is going on.
Call an Experienced Attorney Today
From physical pain to emotional stress, we understand how difficult and frustrating dealing with a personal injury can be, and we are prepared to help you get through the process.
Our dedicated legal team is ready to investigate your claim, build your case and negotiate with your doctors and the insurance companies on your behalf, all while you focus on recovering from your injuries.
We offer a free consultation and charge you nothing while we work on your claim. You only pay us if we recover compensation on your behalf.
Do not go through this challenging time alone. Let our licensed attorneys help.
Call us today at (800) 518-0508