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MAXIMIZE COLLATERAL SOURCE CHANGES WITH UPDATED LETTERS OF PROTECTION

Download Our Template LOP Today!

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Georgia's 2025 Tort Reform: What It Means for Personal Injury Attorneys & Doctors

On April 21, 2025, Governor Kemp signed a sweeping tort reform Georgia bill into law, introducing significant changes to how medical damages are presented in personal injury cases. This updated collateral source rule has far-reaching effects on letters of protection (LOPs), medical liens, and personal injury claims, impacting both attorneys and medical providers.

The new rule allows letters of protection (LOPs) and related agreements, such as personal injury liens, to be admissible as evidence at trial. This makes the structure and language of your letter of protection more crucial than ever. Whether you're a personal injury lawyer or a personal injury physician, the right LOP can:

a doctor, lawyer and patient having a meeting about a personal injury
  • Protect your clients’ rights in this post-tort-reform environment.
  • Build credibility with juries by explaining why an injured party or car wreck injury victim opted for an LOP.
  • Maximize recovery by presenting medical decisions clearly and effectively.

Why Download Our Free Letter of Protection Template?

Our letter of protection form sample is designed to help attorneys and personal injury lien doctors navigate Georgia’s tort reform while ensuring compliance and effectiveness. The template:

  • Complies With Collateral Source Changes: Explains why an injured person chose an LOP due to high deductibles, lack of health insurance company coverage, or fairness concerns.
  • Maximizes Damages: Frames medical decisions in a way that juries find empathetic and credible.
  • Simplifies Documentation: The LOP is concise and jury-friendly, making it easy to understand.
  • Supports Medical Providers: Protects lien doctors, chiropractic care providers, and other personal injury physicians with strong legal provisions.

This template is an essential tool for attorneys and providers who handle personal injury settlements and need to work within the framework of Georgia’s tort reform laws.

What Is a Letter of Protection?

A letter of protection (LOP) is a document issued by attorneys to guarantee payment to lien doctors, chiropractors, or other medical providers from a future personal injury settlement. LOPs allow victims of auto accidents or car crash injuries to receive necessary medical care without upfront costs, helping them to pay your medical bills.

With tort reform Georgia laws now in effect, letters of protection play an even more significant role in bridging the gap between medical treatment and legal compensation. For instance, chiropractic lien arrangements or agreements with personal injury lien doctors ensure that victims with soft tissues or neck pain injuries can still access vital care like physical therapy or a car accident injury chiropractor.

Preview:

AGREEMENT TO DEFER MEDICAL PAYMENT

I(“Patient”), sustained injuries on (“Date”) due to another’s negligence (“Incident”). (“Medical Provider”) agrees to provide necessary medical treatment without requiring full payment at time of service because:

  • I do not have public or private health insurance;
  • I cannot afford my insurance co-pays, deductibles, or out-of-pocket costs;
  • My insurance denied coverage for this treatment, in whole or in part;

(check all that apply)

Let’s Work Together to Beat SB68

At Georgia Trial Attorneys, we’ve created an extensive collection of free resources designed specifically to help personal injury attorneys like you navigate Georgia’s new tort reform laws. By working together, we can strengthen the legal community and ensure better outcomes for injured clients across Georgia.

Our resource library isn’t just about templates or basics—it’s packed with actionable strategies and tools to help you overcome SB68’s toughest obstacles:

  • Detailed Discovery Guides: Streamline your case preparation with effective discovery strategies.
  • Powerful Pre-Trial Order Frameworks: Craft compelling pre-trial orders that set the stage for success.
  • Tactics for Presenting Damages: Overcome SB68’s valuation limitations with innovative approaches.

Each resource is grounded in real-world advocacy strategies that are practical, proven, and
ready to use.

Partner With Experienced Personal Injury Litigators

Litigating and trying cases in this new reality can feel overwhelming. Whether you’redealing with defense tactics that exploit collateral source changes, complicated evidence rules, or challenging liability scenarios, our trial attorneys are here to help.

We’ve successfully handled thousands of car accident cases across Georgia, and we’reready to share our expertise with attorneys and medical providers like you.

Let’s work together! Schedule a free strategy session with our team to discuss how
Georgia’s tort reform impacts your firm. We’ll help you:

  • Spot potential issues in your personal injury lawsuits.
  • Craft jury-friendly LOPs that comply with collateral source rule changes.
  • Strengthen your arguments and develop winning strategies.

When we team up, you and your clients win! Join us in preserving access to justice for injury
victims across Georgia.