What if My Health Insurance Won’t Cover Car Accident Injuries?
Not all health insurance plans will cover injuries from a car accident, but that doesn’t mean you’re out of options. There are ways to get the care you need and properly document your injuries for your personal injury claim.
1. Letters of Protection (LOPs) Can Help
A Letter of Protection is a tool your attorney can use to allow medical providers to treat you without upfront payment. The provider agrees to wait for payment until your settlement is finalized. This ensures you can get immediate treatment even if your insurance refuses to pay.
2. Medical Liens Are Another Option
Some doctors and specialists accept medical liens, which work similarly to LOPs. The provider secures the right to be paid from any future settlement, allowing you to focus on recovery instead of worrying about bills.
3. Specialized Doctors Maximize Your Case Value
Not all doctors are familiar with car accident injuries. Providers who accept LOPs often specialize in accident-related injuries, meaning they know how to:
Properly diagnose your injuries
Document them for legal purposes
Recommend appropriate treatment for long-term recovery
Proper documentation from these specialists is crucial when negotiating with insurance companies or preparing for trial.
4. No Insurance? No Problem
Even if you don’t have health insurance, an LOP or lien can allow you to get treatment. This is especially helpful for people who:
Can’t afford private health insurance
Have insurance that excludes accident coverage
Need specialized treatment that their regular provider doesn’t offer
5. Protect Your Future Compensation
Getting treated under a letter of protection not only ensures you recover physically, but it also protects your legal case. All medical bills and records are tied directly to your personal injury claim, so your attorney can show the insurance company the full value of your injuries.
