What if I Don't Have Health Insurance?
WHAT IF I HAVE NO HEALTH INSURANCE? HOW CAN I SEE A DOCTOR?
Many Americans have no health insurance. If you don't have any health insurance, you still may be able to get medical treatment. Many personal injury lawyers know doctors that are willing to take care of you without getting paid upfront. The doctors will treat you when you sign what's called a letter of protection. An “LOP” as it is called by doctors and personal injury lawyers, gives the doctor a lien on your file if you recover money later. This is a huge benefit to an injured victim. This gives the uninsured and poor access to health care they could not otherwise get.
Your medical bills will be deducted from any money you receive. However, if your injuries are so great and the insurance is very little, many times a good personal injury lawyer can negotiate those bills down. This is perhaps one most misunderstood benefits of hiring a personal injury lawyer. When you hire a personal injury lawyer, they can potentially (no guarantees) put more money in your pocket because they can negotiate medical bills down that you otherwise would have to repay.
Some Americans have health insurance. However, many of the insured are unaware that when they go to the doctor - whatever their health insurance company has to pay out - they are required to pay back to the insurance company. The fancy legal word for it is subrogation. Sometimes, a personal injury lawyer can negotiate those health insurance medical bills down. Obviously, if you can pay back only a portion of the amount owed, that means more money in your pocket.