You may use your own health insurance to pay your medical bills until you receive a settlement from the insurance company. If you choose to do this, your insurance company may exercise its right of subrogation. This means they may attempt to recoup their costs from the at-fault driver’s insurance company. Many doctors and other healthcare providers will care for you following your accident without upfront payment. In exchange, you give them a letter of promise. This letter promises you will pay your medical bills from the proceeds of your settlement. Letters of promise are particularly common in car accident claims, giving your healthcare providers an assurance of future payment. Many healthcare providers will only accept a letter of promise that comes from an attorney, so your Longmont personal injury attorney will handle this issue.