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In this tutorial, attorney Anh Phoong explains how medical bills impact personal injury settlements. Clients often worry about accumulating medical costs, which are significant in determining settlement amounts. Generally, higher medical bills can lead to higher settlements. Phoong reassures clients that medical bills are typically included in the settlement process. For example, if a client receives a $50,000 settlement and has $10,000 in medical bills, the bills would be deducted from the settlement amount. Overall, the message focuses on the relationship between medical expenses and settlement compensation.