If you’ve been injured in an accident and don’t have health insurance—or can’t afford out-of-pocket medical costs—you may feel trapped. How can you get the care you need without going into debt?
That’s where a Letter of Protection (LOP) comes in. It can be a powerful legal tool to get treatment now while deferring payment until your case settles.
What Is a Letter of Protection?
A Letter of Protection is a document your personal injury attorney sends to your medical providers, promising that your medical bills will be paid from your future settlement or judgment.
In simple terms, it tells doctors:
“Treat my client now; we’ll pay you later—when the case concludes.”
How Does a Letter of Protection Help You?
- Access to Medical Care Right Away
You can receive treatment like MRIs, physical therapy, or even surgery without upfront payment—even if you’re uninsured. - Strengthens Your Personal Injury Case
Getting timely medical care shows that your injuries are real and serious. Delays can hurt your claim, so an LOP helps you build a stronger case with documented care. - No Out-of-Pocket Costs During Recovery
An LOP allows you to focus on healing—without racking up medical debt or avoiding care due to costs.
Who Accepts Letters of Protection?
Not all doctors will accept them, but many personal injury-focused providers in Philadelphia do. Your attorney can connect you with trusted providers who understand how LOPs work.
Are There Risks?
Yes—but they’re manageable. If you don’t win your case or your settlement is less than expected, you may still owe the medical provider. That’s why it’s critical to have an experienced attorney negotiate both your case and any medical liens.
Work With a Lawyer Who Understands the System
At Jensen Bagnato P.C., we know how to use Letters of Protection strategically—to get you the care you need, while building a compelling injury case. We also help negotiate medical bills down after your case resolves—so more of your settlement stays in your pocket.
If you’re injured and unsure how to get medical care, contact us today for a free consultation. Let’s get you on the path to healing—and justice.