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In this video, injury attorney Anh Phoong explains how medical bills impact personal injury settlements. He addresses client concerns about accumulating medical expenses, noting that these bills are crucial in determining the settlement amount. Generally, higher medical bills can lead to a higher settlement. Phoong reassures clients that during the settlement process, medical bills are typically covered. For example, if a client receives a $50,000 settlement and has $10,000 in medical bills, the bills will be paid from that settlement. The video provides clear insights into the connection between medical expenses and settlement outcomes.