If you’ve been injured in an accident but don’t want to pay out of pocket while your case is pending, you may hear your attorney mention a “Letter of Protection,” or LOP.
The basics
A Letter of Protection is a written agreement, typically arranged through your attorney, in which a medical provider agrees to treat you now and be paid later — out of the eventual settlement or judgment in your personal-injury case, rather than up front.
In practice, that means you can get the care you need after an accident without paying at the time of your visit.
Why people use an LOP
- No out-of-pocket cost at the visit. Care isn’t delayed because you’re waiting to afford it.
- You still get real treatment. An LOP is about when the bill is paid, not the quality of care — your treatment is driven by your clinical needs.
- Clear documentation. Your provider creates the medical records your claim relies on.
Important things to know
The rules for Letters of Protection and medical liens vary by state and depend on the facts of your case. An LOP is coordinated through your own attorney or legal team, and charges should reflect the care actually provided. Nothing about an LOP guarantees any particular outcome or amount recovered.
How it works with us
Accident Care Partners provides same-day telehealth evaluation and treatment, and our care is documented based on your clinical needs. Your attorney coordinates the Letter of Protection; we focus on your recovery and clear records.
This article is general information, not legal or medical advice. Ask your attorney how a Letter of Protection applies to your specific case.