Q: Will my health insurance through work pay for my medical bills for a car accident I was in?
A: PIP insurance must be the first insurance for paying those medical bills. When that coverage is exhausted, you have two options: (A) have your health insurance kick in, or (B) have your attorney arrange a letter of protection (also called "LOP") with each medical provider, which is an agreement to have the bills paid after you obtain your recovery in the claim or lawsuit. Of course, the "B" option is only available if you are pursuing a claim/lawsuit due to the fault of the other party to the accident. If you are pursuing a claim/case, then under either the "A" option or the "B" option, there will be a lien on your claim/case to protect the medical provider(s) - but usually, the liens under the "B" option are MUCH more negotiable with the medical provider than bills paid under the "A" option. Your personal injury attorney will know medical providers that can work with him/her on an LOP basis.
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