Who Pays for Your Medical Bills After a Workplace Accident?

When you’re injured at work, one of the first questions you ask is:
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“Who pays for my medical bills, my employer, their insurance company, or me?”
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According to James Perrin, a Texas-based personal injury lawyer and founder of Perrin Law, the answer depends on a few important factors, and understanding them early can protect your finances and your recovery.

Watch James Perrin’s full video on YouTube - “Who Pays for Medical Bills After a Workplace Accident.”

If Your Employer Has Workers’ Compensation Insurance

If your employer carries workers’ compensation insurance, that policy typically covers:
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• All medical expenses related to your workplace injury
• Any lost wages during your time off
• Sometimes even rehabilitation costs

In these cases, the workers’ compensation insurance provider pays directly, not your employer, and not you.
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Perrin explains:
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“If you're involved in a workplace accident and your employer has workers’ compensation coverage, then that insurance company will pay for your medical bills and your lost time.”
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If you live in Texas or another state where workers’ compensation coverage isn’t mandatory, it’s critical to ask your employer immediately whether they have a current policy in place.

If Your Employer Doesn’t Have Workers’ Compensation Coverage

When an employer doesn’t have workers’ comp coverage, you’ll likely need to use your own health insurance to cover your immediate medical care.
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But not everyone has health insurance, and that’s where a legal professional like James Perrin can help.

What Is a Letter of Protection (LOP)?

A Letter of Protection, often referred to as an LOP, allows injured workers to get medical care even without insurance.
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Perrin explains:
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“A medical provider will agree to treat you and hold off on collecting payment until your case resolves. Once your case settles, the medical bill is paid out of the settlement funds.”
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This kind of agreement gives injured employees a path to treatment without upfront costs, something Perrin Law in Texas uses often to help clients focus on healing while their claim moves forward.

Key Takeaways from Perrin Law

If you’ve been hurt in a workplace accident:

1. Report the injury immediately to your employer in writing.
2. Ask if your employer has workers’ compensation coverage.
3. Contact a workplace injury lawyer if you’re unsure who’s responsible for your bills.

You don’t have to navigate this alone, firms like Perrin Law Texas handle these cases every day and can help you get the care and compensation you deserve.

Lawggle helps users understand their rights before they speak to a lawyer. MatchBot connects people with the right lawyer faster.

Final Thought

Whether your employer has workers’ comp coverage or not, you have rights.
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Understanding how medical bills are handled after a workplace accident can save you thousands, and ensure you get proper treatment without delay.
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Need help finding a workplace injury lawyer?
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Ask MatchBot → Lawggle.com.
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We’ll match you with lawyers like James Perrin who specialize in workplace accidents, workers’ compensation claims, and personal injury law.

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