Claiming accident insurance

It is generally legal to claim from multiple insurance providers for the same injury, as long as the total amount claimed does not exceed the actual cost of the medical expenses AKA coordination of benefits. For example, you can claim your company insurance from one provider, and then you can claim your accidental death or disability lump sum payouts from other providers
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points to note:

• You are allowed to have multiple accident insurance policies, even if one was complimentary.

• You can file claims with both insurance providers for the same injury/treatment. They will coordinate to determine how much each provider should pay. However, the total amount you receive from all the insurance providers combined cannot exceed the total cost of your medical expenses. You cannot profit from having multiple policies.

• The insurance providers will communicate with each other to ensure there is no duplicate payment. They will prorate the coverage based on the terms of each policy.
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As long as you are transparent about having multiple policies and do not attempt to claim more than the actual costs, it is perfectly legal to utilize the coverage from both of your accident insurance providers. Just be sure to follow the claims process for each one accurately.

You're doubly covered for accidents, but don't get caught in a claim tug-of-war; check the fine print for any legal hurdles in claiming from both providers!