Personal Injury Video Law Tip
“Well, assuming that you do not have health insurance, oftentimes doctors in Florida will treat you under a Letter of Protection. This is an agreement between you and the doctor that they’ll provide medical treatment and care for you. They will delay collecting any money until after your lawsuit settles and then they would receive money from your settlement proceeds.”
– Bill Abel, Florida Personal Injury Lawyer at McLaughlin & Stern LLP in West Palm Beach
Additional Information about how you can pay your medical expenses after a successful lawsuit if you are injured in an accident:
Most insurance policies provide some medical payment benefits (Medpay), meaning there are usually a few thousand dollars available to you if you are injured on someone’s property. For a car accident, Florida law requires that all vehicle owners carrier PIP (or No Fault) insurance. (Medpay benefits are also available in car insurance policies but you have to specifically purchase it.) PIP insurance provides up to $10,000.00 to be paid for medical treatment and/or lost wages. The insurance pays 80% of medical treatment and 60% of lost wages associated with a car accident.
There have been recent changes in the PIP law that require you to seek medical treatment within 14 days of the accident or you waive your rights to those $10,000.00 in medical benefits. You do not have to pay back the money you receive from your PIP insurance, but you are responsible to pay the 20% difference between what the doctor charges and the 80% covered by your PIP insurance. As you might guess, $10,000.00 is not a lot of money when it comes to medical treatment. If you need more than $10,000.00 in medical treatment and do not have health insurance, then Florida law allows a doctor to treat you under a Letter of Protection. Essentially, a Letter of Protection is a promise you and your attorney make to pay the doctor’s bill from the money you receive in your case. In exchange for this promise, the doctor agrees to a delay in being paid until the end of your case. Letters of Protection can be a helpful way for you to receive the medical treatment you need as a result of an accident. However, you should remember that it is an agreement and you will eventually need to pay those medical bills.
Personal injury law video number 100037: Video: How can I pay my medical expenses after a successful lawsuit if I was injured in an accident?