Jim Adler | The Tough, Smart Lawyer
By Jim Adler February 21, 2017

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If you were injured in an accident and can’t pay your medical bills, you can get help. Your injury lawyer from Jim Adler & Associates can draw up a “letter of protection.” But what is a letter of protection, also known as an LOP?

Such a letter is sent by an injury attorney to medical professionals at hospitals or clinics to enable an injured person to get their medical care on credit — medical care that they can’t afford either because they lack insurance or their insurance won’t readily pay. This credit is provided by medical professionals in exchange for a promise to be paid for such services out of a future injury settlement or trial verdict.

A letter of protection can be sent to help victims of many different kinds of injuries, including injuries suffered in car accidents, work accidents, slip and fall accidents, dog bites or other mishaps caused by the negligence of others. That way, victims can arrange medical care they need in advance of obtaining payments from a court judgment or out-of-court settlement, which can take months.

Why Doesn’t Insurance Help without a LOP?

You may be wondering why your insurance company doesn’t help pay medical bills after an accident. You may be wondering why you must rely on a letter of protection sent to medical professionals by a Jim Adler injury lawyer — an injury lawyer who also will stand up to insurance companies and fight for your financial recovery via settlement or trial.

The problem is that auto liability insurance companies won’t pay for injury medical costs as you go. Instead, while treatment costs mount — perhaps for months — insurers expect you to pay for your own care, collect the bills and then submit them in a group when it’s time to settle the case. That’s why you need a letter of protection to help you.

Or, an insurer may offer a quick “low-ball” settlement which may pay for some of your bills, but not nearly enough to meet protections you purchased with your policy. Accepting such a quick settlement is a mistake.

Some insurance companies may decline payment outright for medical care that’s needed to treat injuries from a car wreck caused by another driver. They expect the victim to seek payment from the insurance company representing the negligent driver who caused the accident.

But what if the bad driver lacks insurance or has too little insurance coverage to pay your medical bills? A way around that is to buy uninsured motorist coverage and underinsured motorist coverage. That way, your own insurance company should pay for injuries caused by another driver who lacks insurance or who has insufficient insurance.

How Can Doctors Help?

Not only are insurance companies a problem, but numerous physicians decline to treat persons via their normal health insurance if their injury was caused by an auto accident. Yet many victims need immediate health care yet are unable to pay for it on their own, especially when medical costs are high or their injury makes them unable to work.

Doctors are aware of this, and many have come to accept a letter of protection as an alternative.

Jim Adler’s injury lawyers in Houston, Dallas, San Antonio and Channelview can help injured Texans get the medical care they need by sending a letter of protection to medical providers. That letter is an agreement by you to pay for your medical costs directly from any future recovery via a trial judgment or out-of-court settlement.

In this way, the creditor — the medical provider — agrees to wait until the case has been resolved to demand payment. When the case is resolved by a judgement or settlement, your injury lawyer will ensure that the medical provider is paid from those funds before you are paid with the remaining balance.

Most car accident cases are resolved via an out-of-court settlement. But in the event that no settlement or judgment is gained for the plaintiff — that is, no financial recovery — the victim is responsible for medical costs, and the medical provider has a legal right to seek payment for them, as with any other debt.

Since a large majority of cases are settled out of court, such a prospect usually is not a concern. That’s why many physicians will accept a letter of protection as a guarantee of future payment when a case is settled.

Insurance Company Tactics

When settling your case with an insurance company, it may try to assert that a letter of protection makes your physician biased — on your lawyer’s side — since his or her bills remain outstanding and are subject to the letter of protection. The insurer may assert that the physician has inflated the costs of your medical bills to help your lawyer gain a larger settlement.

Your injury lawyer can resist such a claim and demand fair and fitting payments for the full extent of your injuries.

An irony is that no letter of protection would have been needed in the first place if the insurer had paid medical bills from the start. Instead, by denying or delaying payments, the insurer virtually forces injured persons who can’t afford medical treatment to get a letter of protection, which the insurer then may try to use against them at trial.

Again, the skilled and experienced injury lawyers of Jim Adler & Associates can fight back on your behalf.

An Injury Lawyer Helps in Many Ways

Indeed, a personal injury lawyer can help in many ways. These include:

  • Representing you in injury claims against insurance companies
  • Fighting for your legal right to financial compensation for your injuries either by settlement or at trial
  • Sending a letter of protection to medical providers to ensure you get health care before a settlement or judgment
  • If needed, negotiating with physicians to reduce your bills’ balance to achieve a settlement.

Your injury lawyer also can request certain conditions of physicians in your letter of protection. The LOP may insist that the physician provide all records of treatments and billing free of copying charges. The letter also may request that the physician agree to give testimony via a deposition or at trial without charging expert witness fees.

Contact our law firm today for a free legal review of your case. Let’s get started gaining the medical care you need to recover fully after an injury accident.

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Testimonials

Erick Becker
Erick Becker
01:20 06 May 17
I am a Patrol Deputy for the Sheriff Office and while working one night, a drunk driver crossed the center stripe on the highway and struck my patrol vehicle head on with his pick up truck. Needless to say we (the drunk driver and I) were both lucky to survive, as the accident occurred at highway speeds. Following my release from the hospital, I knew that I would need to have someone represent me. My employer was happy to represent me in regards to prosecuting the driver for criminal charges but, can do little in respect to the recovery of financial losses for medical bills, pain and discomfort, time lost from work etc... This is how my relationship with Jim Adler and Associates began. Yep, you probably guessed correctly when you think of what made me choose the "Texas Hammer" to represent me. Those half obnoxious, half way entertaining commercials and radio announcements most Texans have been seeing and hearing on the TV and radio for years instantly came to mind. Yes, I wanted to "hammer" this S.O.B. for trying to kill me but, more importantly I was worried about the costs associated with the life long injuries I had sustained as a result of this drunk driver's negligent behavior. I contacted Jim Adler and Associates and so began our relationship. I was immediately surprised by the prompt attention and the expression of genuine concern for my well being that I received from the employees of Jim Adler's office. Now as you can imagine, lawyers are not a breed that is held in very high regard by people in my profession but, my experiences with Jim Adler's office and his employees have forced me to amend my way of thinking, at least on the civil side of the house anyway. I have to chuckle when I say that because my experience as a client of Jim Adler's firm has been exceptionally pleasant. So before I venture down one of the stereotypical and infinite number of rabbit holes associated with the relationship between members of law enforcement and lawyers; I will do my best to stay focused on my experience with Jim Adler & Associates. Upon being informed that my case had been accepted by Jim Adler's office; I was contacted by Iris Sanchez who informed me that she was to be my case manager and any questions, comments and concerns could be directed to her. I was pleasantly surprised to receive regular calls from Iris assisting with my medical appointments and future follow up appointments. Iris had informed me that Jim Adler's son, Bill Adler would be handling my case and I was even more surprised to receive several calls from Bill to discuss my case. Now you might be thinking "what's the big deal" with the person who is representing you contacting you? In reality, you are correct in that it isn't a big deal but, what is noteworthy and what separates Jim Adler's Office from the multitude of other lawyers is the genuine expressions of concern and the desire Bill Adler conveyed to me to do their best to help me. I felt an immediate connection and instantly realized I had made the correct choice in contacting Jim Adler & Associates to handle my case. One thing I think lawyers and police officers can agree on is the proverbial wheels of justice turn very slowly. Months go by and our professional relationship is never neglected. Through the unwavering attention of Iris Sanchez and Bill Adler himself, I never felt "out of the loop" so to speak and always had a clear understanding of where my case was at in regards to the legal process. In conclusion, I know my brief description of my experiences with Bill Adler and, his assistant Iris Sanchez, cannot provide the credit they deserve. Together they have done an outstanding job representing their firm/employer. If you are seeking a great firm to represent your legal interests and, take comfort in establishing a professional relationship that feels more like a friendship than a casual business acquaintance, then I highly suggest Jim Adler & Associates.
Tierra Clark
Tierra Clark
18:52 19 May 17
My lawyer Bill Adler and case manager Iris Sanchez are amazing! They constantly call and check on you . They keep you up to date through the process. They care about you as a person and not just a client. The wreck was a life changing experience that I've never been through before. I'm just glad I had the right people like Bill Adler and Iris Sanchez to help me through it. Truly satisfied.Thanks and God bless y'all!
Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 17
Jim Adler only offer nothing less than a great experience. They are a very well-established organization. They are outstanding on keeping you up to date with cases. There's no beating around the bush with this organization as they are only straight forward with the whole process. They treat their customers like family as well as go above and beyond to fight cases for you only leaving you with nothing but the best experience. Easy 5-star rated organization. I would highly recommend this one organization you not look over.
Tori Barroga
Tori Barroga
14:17 11 May 17
I was dropped from a previous law firm regarding my case before I called Jim Adler. They immediately took up my case and worked hard on it - I was always up to date with each step they took and the benefits or consequences of each. In the end, I am highly satisfied with the outcome and would not have it any other way. It took some time but I truly appreciate and want to thank everybody who helped me on this journey and worked tirelessly on it.
Bernard Orozco
Bernard Orozco
17:16 23 Feb 17
I am very happy with Jim Adler & Associates. I did not know anyone who has ever used the Law Firm before. The staff is very friendly and treated me as if I were family. At times it got very stressful being without a job. They helped me when I was confused about the process. Mrs. Theresa Rodriguez stayed in contact with me constantly. Checking on me to see how I was doing and to let me know how things were going on there end. The Attorneys that handled my case know exactly what they are doing to take good care of me. Thank You so much Attorney's Mr.Michael Gomez and Mr.Trey Smith.
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