If you’re injured in Florida and facing medical bills while your personal injury case is pending, you may be offered a Letter of Protection (LOP) to help you access treatment. An LOP is a legal agreement between you, your attorney, and your healthcare provider that allows you to receive medical care now, with payment deferred until your case is resolved. This arrangement can be crucial if you lack health insurance or cannot afford out-of-pocket costs.
You should understand that an LOP is not insurance. Instead, it is a promise to pay your medical provider from any settlement or judgment you receive. Providers may agree to treat you under an LOP, but they are not required to do so. You need to know that the amount owed under an LOP may be higher than what insurance would pay, and insurance companies or defendants may challenge these charges during settlement negotiations.
We recommend that you carefully review the terms of any LOP and discuss the risks and benefits with your attorney. Consider how an LOP may affect your case’s value and your financial responsibility if your case does not settle favorably. Our firm can help you evaluate your options and protect your interests throughout the process.
Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Written by:
Gil Sánchez, Esq.
CEO | Civil Trial Attorney
Black Rock Trial Lawyers
Abogados Law
