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Knowing The Importance Of A Letter Of Protection In Florida PIP Coverage


A lot of unpredictable things can happen to us such as slip and fall cases and auto accidents, which are common in Florida. As a no-fault state, Florida citizens are required to have a PIP or Personal Injury Protection, which makes sure that your car insurance will cover your hospitalization costs following an auto accident. Aside from this, people are also under the protection of health insurance coverages should other accidents happen.

However, having insurance plans does not guarantee that your claims will be approved. There are many cases when insurance claims are denied by the company for reasons that they believe your injuries fall under the responsibility of another insurance coverage. We should also consider that there are people who did not file for any insurance plan, and thus are left to finance their hospitalization and recovery costs. In such cases, this is where a Letter of Protection becomes important.

What Does A Letter Of Protection Do?

Having a letter of protection would make sure that your medical bills will be covered regardless of whether you have an insurance plan or not. A letter of protection is written by a personal injury lawyer, affirming that your hospitalization bills will be paid after you can claim the damages from a personal injury lawsuit. The letter of protection thus protects you from demands of payment and delayed medical treatment.

The health facility or hospital with which the letter of protection is addressed will cease any efforts in demanding payment from you until your personal injury lawsuit has been resolved. Until then, you are entitled to receive medical treatment without question.

Why Do You Need A Letter Of Protection?

For people who did not avail of any insurance coverage, a letter of protection will come in handy as this guarantees you immediate medical treatment and medical cost coverage after winning your personal injury lawsuit. The damages that you will receive from a personal injury claim will be the ones you will use to settle all your hospitalization bills.

On the other hand, Florida citizens who have an insurance policy can be denied by the company, insisting that another insurance company should handle your hospitalization fees. One of the common causes of these is when health insurance providers would try and pass the ball to auto insurance companies.

These misunderstandings can cause delayed insurance claims, which in turn would also delay your medical treatment following an auto accident.
When this happens, having a letter of protection will be extremely helpful as you can get treatment for your injuries immediately while waiting for the insurance discourse to be resolved. A letter of protection is a legal document that hospitals and other health centers cannot refute.

Who Should Write The Letter Of Protection?

You should trust professional and experienced personal injury lawyers to make your letter of protection. After all, you are still banking on your big chances of winning a personal injury lawsuit as you are going to use the damages to pay your hospitalization fees. Losing a personal injury lawsuit would subject you to pay for your medical expenses straight out of your pockets. If you have an experienced Sarasota / Bradenton personal injury attorney on the other hand, you can rest easy.

Stephen M. Fernandez developed a strong belief in justice and fairness in public policy while earning his Political Science degree prior to attending law school. Since joining the Florida Bar Association in 2004, Stephen Fernandez has combined his background in public policy, business administration and civil law to serve as a highly effective trial lawyer fighting for Florida's injured, working hard every day to make sure his clients get what they are owed.

Knowing The Importance Of A Letter Of Protection In Florida PIP Coverage

Goldman Babboni Fernandez
Murphy & Walsh




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