Letter of Protection in Pasadena, TX

A Letter of Protection (LOP) is a legal agreement between your personal injury attorney, our medical clinic, and you. It guarantees that your medical bills will be paid directly from your settlement proceeds when your case resolves - not from your bank account. This allows you to receive comprehensive medical treatment without any upfront costs, copays, or deductibles. The LOP protects both you and the medical provider by ensuring payment comes from the responsible party's insurance settlement. Learn how our treatment process works.

Yes. A Letter of Protection requires representation by a licensed personal injury attorney who agrees to guarantee payment from your settlement. If you don't currently have an attorney, we can refer you to experienced personal injury lawyers in Pasadena and Harris County who specialize in car accident, truck accident, and slip and fall cases. Visit our attorney partnerships page for more information. Most PI attorneys work on contingency (no upfront fees) and receive 33-40% of your final settlement.

Most Letters of Protection are written on a contingency basis - meaning you only pay if your case wins or settles. If your case is dismissed, you lose at trial, or the insurance company pays nothing, you typically owe nothing for treatment received under the LOP. Some medical providers may require you to sign an agreement stating you're responsible if your case fails, but many clinics - including ours - operate on full contingency with zero patient financial risk.

No. Your attorney negotiates with medical providers to reduce final bills before you accept any settlement. Additionally, Texas law allows attorneys to negotiate medical liens, often reducing bills by 30-50% of the original amount. Your attorney will review all outstanding medical bills and liens before advising you to accept a settlement offer. Most accident victims receive substantial compensation beyond medical costs - including pain and suffering, lost wages, and property damage.

There is zero out-of-pocket cost during treatment. Medical bills accumulate and are paid from your settlement. The total cost depends on your injuries and treatment needs. Minor soft tissue injuries may result in $3,000-$8,000 in medical bills. Moderate injuries with imaging and therapy may total $8,000-$20,000. Severe injuries requiring surgery or specialists can exceed $50,000. Your attorney will track all medical expenses and ensure they're included in settlement negotiations. See our car accident doctor page for more details on treatment costs.

They are related but not identical. A Letter of Protection is the initial agreement allowing you to receive treatment on credit. Once your case settles, the medical bills become a "medical lien" on your settlement funds - a legal claim that must be paid before you receive your portion. Your attorney manages and negotiates these liens to minimize the final amount owed and maximize your net recovery.