Q:

What is a letter of protection?

A:

A letter of protection is an agreement between you, your attorney and a health care provider, that allows you to get the medical treatment that you need without having to pay the provider while your are treating. If you don't have health insurance, there are many health care providers won't treat you without having an attorney provide a letter of protection.

Q:

Do I have to use my own health insurance if the accident was not my fault?

A:

This is a complicated issue that varies from case to case but the interaction of your health insurance with an injury claim is something that needs to be discussed with your attorney at the beginning of your claim.

Q:

What is a hospital lien?

A:

A hospital lien is a legal document that is filed by a hospital against money that you are entitled to recover for your injuries. In many cases, this can result in the insurance company paying the hospital out of the money that you are owed without your consent. It is important to have an attorney explain when these liens are valid and how best to handle them.

Q:

What does it mean when my health insurance company intends to "subrogate"?

A:

Subrogation is a legal process in which your health insurance company demands to be paid back what they paid for your medical treatment out of the money that you are entitled to recover from the at fault party's insurance company. Different health insurance policies handle subrogation in different ways.  It is important to have your lawyer review your policy and explain how it may effect your personal injury case.