Greg Prosmushkin
Dec 20, 2022

A letter of protection is a legal guarantee that binds you, your healthcare provider, and your attorney. You can use the letter of protection for the injured victim of a car accident, work injury, or slip and fall.

The letter promises you will pay for the medical bills once your claim is settled. In addition, you will pay the amount owed once the case ends.

What Is The Requirement Of A Letter Of Protection?

The letter of protection asks the medical provider to treat your injuries. Furthermore, the letter of protection guarantees that the medical expenses incurred will be paid once a settlement is reached.

The letter of protection may include the following information:

  • Plaintiff’s name, 
  • Injuries
  • Nature of the accident
  • Medical care costs
  • Information about the attorney
  • Reason for the letter of protection (LOP) 
  • Other circumstances, such as a request that payment will be made later until the end of the legal proceedings

When someone sustains an injury after a personal injury case, such as a car accident, motorcycle accident, commercial truck accident, dog bite, or slip and fall, the injury victims cannot pay. They either have insufficient insurance or may refuse to pay for medical treatment.

Role Of Letter Of Protection In Automobile Injuries

LOP personal injury is mainly written in case of car accidents. It is because accidents can lead to catastrophic injuries making it essential for the injured person to seek medical attention. 

After that, you will be required to pay the medical expenses. To avoid facing any financial burden, you can file a LOP in a personal injury case. The letter will let the doctor know they will be paid once your injury claim reaches an agreement.

What Are The Pros And Cons Of Using A Letter Of Protection?

LOP has advantages and disadvantages. Some of them include the following:

Advantages Disadvantages
It makes it easier to schedule appointmentsBills may increase due to nonpayment
LOP will safeguard your credit scoreDoctors may even send you to hospitals that may not accept LOP
You can easily collect medical records when you use LOPInsurance companies may also use LOP against you
Healthcare providers may lower the medical bills and can provide trial testimonyDoctors may also affect your case in the final decision-making process 

Can A Letter Of Protection (LOP) Be Used Against You?

One of the fundamental issues in a letter of protection is perception. The insurance companies may use the LOP against you. There may be a different perception of the prepared LOP from an attorney or the doctors who will accept them. 

Insurance companies may also blame healthcare professionals for being biased due to the legal LOP. Therefore, you need to understand the tactics.

Why Do Doctors Worry About Letters Of Protection?

Every doctor may not be willing to extend medical help by providing a letter of protection. It is because they have to wait for the payment. Moreover, there may be risks of not getting paid if the patient does not obtain the settlement. 

Sometimes, insurance companies may need to treat LOP as relevant evidence. It is done so that they earn profits. 

What May Happen If You Do Not Win An Injury Case?

Even if the victim does not win an injury case, they are responsible for the medical bills. The health care provider will pursue them to clear the balance. Therefore, it is essential to know your rights to avoid such consequences. 

Get In Touch With An Injury Law Firm Today.

A personal Injury Lawyer will guide you in protecting your rights, thereby receiving benefits from the healthcare insurance until you pursue the compensation. If you still have queries about a letter of protection, you can schedule a free case legal consultation. Contact us online or call (215)-799-9990 .