Yes, a chiropractor can absolutely accept a Letter of Protection (LOP), and many who specialize in personal injury or car accident recovery do so regularly.
Chiropractor that accepts letters of protection
Dealing with the aftermath of a car accident is stressful enough without worrying about how to pay for your recovery upfront. An LOP is a common tool designed to bridge that gap.
How an LOP Works for Your Treatment
An LOP is a legally binding agreement between you, your personal injury attorney, and your chiropractor.
- Treat Now, Pay Later: Your chiropractor agrees to provide necessary medical care—like adjustments, soft tissue therapy, or imaging referrals—without requiring you to pay out-of-pocket at each visit. They also agree to pause any billing collections while your case is active.
- Guaranteed Payment: In exchange, you and your attorney agree that the chiropractor’s medical bills will be paid directly out of your final financial settlement or court award once the case resolves.
Crucial Things to Keep in Mind
While an LOP is an excellent option if you don’t have health insurance or if your auto insurance medical coverage (like PIP) has run out, you should look out for a few details:
- It is not a guarantee of payment waiver: If your legal case does not win, or if the settlement is smaller than expected, you are ultimately still responsible for paying the chiropractor for the care you received.
- Talk to your attorney first: Do not sign an LOP provided directly by a clinic without having your lawyer review it first. Your attorney needs to ensure the expected settlement value aligns with the cost of your treatment plan.
- Provider discretion: Not all chiropractors accept LOPs. General wellness or sports chiropractors might require payment at the time of service, whereas “accident injury” clinics are usually set up to handle them.
If you have a chiropractor you already like, call their office and ask directly, “Do you accept a Letter of Protection from a personal injury attorney for car accident treatment?” If they say yes, they will coordinate directly with your lawyer to get the paperwork signed so you can focus entirely on healing.
If you’ve been in an automobile or truck accident, and need medical treatment for your injuries, call us at Carrollton Chiropractic and Massage by calling/texting us at 513-580-4930. We serve the Carrollton/Far North Dallas/Dallas/Fort Worth areas.
If you need an attorney to help you navigate your way through the legal paperwork involving your car, automobile, or truck accident, contact Mavani-Hernandez Law Firm of Carrollton, Texas.