It’s very tempting to do so. Most catastrophic injury victims need their medical bills paid, and they want to move on with their lives. While most insurance companies only care about profits, some adjusters honestly try to do the right thing. In the immediate wake of an accident, it’s impossible to tell if the settlement offer is fair.
Catastrophic injury medical bills could reach millions of dollars. Most health insurance companies do not pay these expenses, for liability reasons. So, I send letters of protection to medical providers. Since these letters guarantee payment when the case is resolved, the providers charge nothing upfront.