Car crashes often result in injuries, which in turn require medical treatment. But what happens if you cannot afford necessary medical care? One option may be a "letter of protection."
What is a Letter of Protection?
Many doctors and physical therapists across South Carolina will treat you at no cost on the front end in return for a letter of protection from an attorney that states your balance will be paid out of the settlement proceeds when the legal case concludes.
For example, you may need 6 weeks of physical therapy at a cost of $1,800.00. If the wreck knocked you out of work or you are without health insurance, you may be unable to afford the out-of-pocket costs physical therapy poses. However, the therapist may be willing to treat you so long as you sign a letter (i.e contract) agreeing to pay him out of your settlement funds.
Use Letters of Protection with Caution
Letters of protection - also known as "lien letters" - are an important tool for uninsured accident victims in South Carolina. Nonetheless, I encourage you to approach these agreements with caution, as you do not want an unethical chiropractor, therapist, or medical doctor running up a huge bill simply because they see dollar signs.
If you have any questions related to medical treatment after an auto accident, or if you would like me to review a letter of protection for you at no charge, call my Columbia, SC today at 803-790-2800. As a car accident attorney, my job is to protect your legal and financial interests so that you can focus on getting well.