What a Letter of Protection Means for Your Bills
Short answer: With a letter of protection, your law firm asks a provider to hold the bill until your case settles, then pay it from the settlement. It lets you get care now without paying. It isn't a promise of payment, so you can still owe the bill if the case recovers nothing.
In one sentence each
- Who writes it?
- Your personal injury law firm.
- Who receives it?
- Your medical provider.
- When is the provider paid?
- When the case resolves, out of the recovery.
- What if there's no recovery?
- You generally still owe the provider. Ask how they handle it before treatment.
LOP compared with PIP
| LOP | PIP | |
|---|---|---|
| Comes from | Your lawyer | Your auto insurer |
| Provider paid | After the case | As claims are processed |
| Depends on the case outcome | Yes | No |
Many people use PIP first. More on PIP and MedPay and whether you need a lawyer. Back to all insurance guides.
Questions after a Saginaw wreck?
A participating personal injury firm can review your situation for free. It takes about two minutes to ask, wherever in Texas the crash happened.