Getting into a car accident is one of those unexpected things that you can never plan for. More than that, many people don’t consider how they would pay for medical treatment in the case of an accident causing a severe injury. Despite your particular financial situation, medical bills arising out of a serious car accident can be astronomical. On top of that, most insurance companies may decide to lowball you with regard to your payout, leaving you scrambling for money to clear your accrued debt before the collectors come knocking.
If you’ve been in a car accident and are looking to get fast medical treatment, your best bet would be to go through an attorney in order to get something called a “letter of protection.” This isn’t really a letter in the physical sense, but a contract which makes it possible for you to receive medical treatment for no up-front cost. With a letter of protection, you don’t have to pay your medical bills unless you win your case. If you do win your case, the medical bills will be paid using a portion of your settlement or verdict.
The letter of protection is a promise that you’ll pay your medical bill from the monies you’ll collect after you win your case (and only if you win your case). It’s important to note that without documented medical treatment, you may not have a chance to recover much (if anything) for your injuries. Medical bills are one of the main pillars to your case. With no real evidence of an injury, it’s going to be hard to convince an insurance company or jury that you’re owed anything.
Insurance companies exist to make money. This is a sad fact of life that you as an individual must come to terms with. Most of the time, the insurance company will ask you to seek treatment and then to bring them your receipts so they can reimburse you. THIS IS A LIE! Once you’ve completed treatment, racked up medical expenses, and submitted your bills, they’ll decide to pay only a miniscule percentage. Don’t believe me? Ask anyone who’s fallen for that trick before. It happens every day. In some cases, they’ll flat out refuse to pay out anything, citing that the treatment you received wasn’t covered by your policy.
A letter of protection will give you the peace of mind in knowing that you’ll receive medical treatment at no cost until a time when you’ll be able to pay your bill, which is when you win your car accident case. There’s no risk of going into debt because you will never have to pay for treatment out of your own pocket under any circumstances. The money from your settlement will take care of all your financial obligations, leaving you free and clear to continue with your life without the scepter of debt hanging over your head.