Legal Q&A

Answers to common legal questions about accidental injury, negligence, and insurance.
Question: What methods of medical treatments are available in auto accident when I am not covered by pip myself but another driver was fault?

I was in an accident where another driver was at fault and now my lower and middle back are starting to hurt, I would like to seek treatment but I have no medical insurance till May 1st and I don’t have my own pip policy and the vehicle I was driving I am an excluded driver. What options do I have for treatment, so I do the ER thing where they have to see me and then follow up after I get health insurance? If necessary I would like to file a lawsuit but I am sure I have to get a lot of treatment and MRIs to prove any potential injuries correct? Are there any lawyers that can set you up with doctors who will treat and then recoup once the claim is settled?

Answer:

What you are referring to is called a letter of protection (LOP).

An LOP is an agreement typically signed by the patient and the attorney promising to pay the doctor’s bill out of the settlement proceeds of the case. Not all doctors accept letters of protection and some only accept them from attorneys they know and have worked with in the past.

If it is true that you are not eligible for PIP coverage, then the at-fault driver's insurance would not be entitled to what's called a PIP set-off.

This means that as long as you can prove that your treatment is related to the accident and medically necessary, the other driver’s insurance will be forced to include your medical expenses in the bodily injury offer (assuming they have the coverage and accept liability).

Before you decide to go the ER and rack up thousands in medical bills, I strongly suggest calling my office for a free consultation and complete analysis of your case. I look forward to hearing from you.

Share

 

Get your free consultation today.

Call

Call

Click To Call

(855) OMAR-411
SMS

SMS

Click To Text.

(954) 951-3535
Email

Email

Submit a form.

Email Me

Get on the road to recovery.

It all starts with your free case consultation. There's no cost or obligation.

Clients agree: OC Legal delivers five star service. More Reviews

... his in-depth knowledge, wide experience, good heartedness and passion for justice would serve anyone well ...

Gregory on Avvo

... will provide personal attention to ensure you receive the outcome you deserve.

Ross on Avvo

Omar is thorough. He is prompt. He is diligent to the last detail.

G. Thomas on Google

Our Offices

7900 Oak Ln, Miami Lakes, FL 33016

Serving all of Miami-Dade County, including:

  • Miami
  • Miami Lakes
  • Miami Gardens
  • Hialeah
  • Golden Seal Beach
  • Homestead
  • Doral
  • Coral Gables
  • Opa-Locka
  • Aventura

8751 W Broward Blvd, Plantation, FL 33324

Serving all of Broward County, including:

  • Fort Lauderdale
  • Sunrise
  • Plantation
  • Lauderhill
  • Tamarac
  • Lauderdale Lakes
  • Weston
  • Davie
  • Hollywood
  • Pembroke Pines

1500 Colonial Blvd, Fort Myers, FL 33907

Serving all of Lee County, including:

  • Fort Myers
  • Cape Coral
  • Sanibel
  • Bonita Springs
  • Lehigh Acres
  • Alva
  • Captiva
  • Fort Myers Beach
  • Tice
  • Cypress Lake

501 Goodlette-Frank Rd, Naples, FL 34102

Serving all of Collier County, including:

  • Naples
  • Golden Gate
  • Goodland
  • Naples Manor
  • Orangetree
  • Marco Island
  • Everglades City
  • Lely
  • Immokalee
  • Chokoloskee