Typically, yes. However, it depends on the context of the claim and the specifics of your insurance policy. Here are some relevant scenarios:
Subrogation: If your insurance company pays for your medical expenses and believes that another party is at fault, they may pursue a process called subrogation. In subrogation, your insurer seeks reimbursement from the party at fault or their insurance. If you receive a settlement or award from the third party after your insurer has pursued subrogation, the amount may be reduced by what your insurer has already paid.
Secondary Insurance Claims: If you have multiple insurance policies, such as primary and secondary health insurance, you might be able to file a claim with your secondary insurance after your primary insurance has paid. This is usually subject to coordination of benefits rules, and the secondary insurer will typically cover costs not covered by the primary insurance, up to the limits of the policy.
Policy Limits & Conditions: Your ability to file another claim may depend on the limits of your policy and the specific conditions outlined in your insurance agreement. Some policies may have provisions that limit the ability to file additional claims once a claim has been paid.
Deductibles & Copayments: If your insurance covered the bulk of your medical expenses but you were still out-of-pocket for deductibles, copayments, or non-covered services, you may be able to claim these expenses depending on the circumstances of your case and the specifics of your insurance coverage.
It’s important to contact our Gonzales personal injury law firm before filing a claim to determine what compensation you can pursue.