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In this tutorial, attorney Anh Phoong explains the impact of medical bills on personal injury settlements. Clients often express concern about accumulating medical bills. Typically, these bills are considered when determining the settlement amount, with higher bills potentially leading to a higher settlement. A common concern is how clients will handle these bills, but generally, medical expenses are included in the settlement. For instance, if a client receives a $50,000 settlement and has $10,000 in medical bills, that amount is deducted from the settlement total. Attorney Phoong emphasizes that clients usually do not have to worry about being left with unpaid medical bills after their settlement.