Although medical expenses and other losses resulting from a car accident may be covered under more than one insurance policy, as a general rule, you cannot recover duplicate benefits for the same incident. A Maryland injury attorney can help by pursuing the maximum benefits allowable under the facts of a specific case.
A March 18, 2020 case involving a pedestrian-auto accident illustrates some issues that may arise when multiple sources of coverage may be available. The plaintiff in the case was on foot and about to enter his company vehicle when he was struck by a car. He sustained injuries as a result of the accident, which he alleged caused damages of approximately $90,000 to $100,000.
The driver’s insurance company agreed to pay the $30,000 policy limit to the plaintiff. Because the accident occurred while the plaintiff was working, he filed a claim for workers’ compensation benefits, for which he received almost $46,000. The plaintiff was also covered under the insurance policy for the company vehicle, which provided underinsured motorist coverage up to $50,000 per person. The plaintiff filed suit against the insurer of the company vehicle to recover underinsured motorist benefits.