Can you claim on two insurance policies?
Asked by: Prof. Santos Mante | Last update: December 3, 2025Score: 4.5/5 (7 votes)
Can you make a claim on two insurance policies?
The short answer is actually, yes. Insurance can be claimed from two (or more) insurance companies in a number of legitimate situations. In some cases, the practice is by design. In other situations, it is not, but can still be accommodated by some insurance contracts.
Can you be covered by 2 insurances?
Most individuals only have one health insurance plan, known as “primary” insurance. However, some people also secure additional medical coverage or a “secondary” insurance plan. Having dual coverage is perfectly legal.
Can I get a refund if I was double insured?
Can I get a refund if I was double insured? If you have double insurance coverage for the same person and vehicle, you might qualify for a prorated refund. Decide which insurance you're keeping, tell the other company you were double insured, and ask for your premiums back.
What is double dipping in insurance?
Insurance Claim Double Dipping
In this scam, fraudsters make identical claims for the same incident at multiple insurance companies to increase their payout.
How to CLAIM from 2 Insurance Policies ? | Health Insurance Claims | Gurleen Kaur Tikku
Can you claim more than one insurance?
As a starting principle, an insured cannot profit from their loss or make a claim twice. However, where a policyholder is insured by multiple policies, they can choose which policy they wish to claim under.
Can you file two claims at the same time?
You can file two separate claims for the same accident if two parties or entities are liable. Doing so enables you to maximize your compensation by holding each potentially at-fault party financially responsible for your injuries.
How do you determine which insurance is primary?
The insurance that pays first is called the primary payer. The primary payer pays up to the limits of its coverage. The insurance that pays second is called the secondary payer. The secondary payer only pays if there are costs the primary insurer didn't cover.
What happens if you have overlapping insurance policies?
When you have car insurance overlap, the most obvious problem you will encounter would be this. You must pay for two insurance policies when one would do to cover any potential loss or damage to your car. Even if you wish to terminate an existing insurance coverage, you can only obtain a pro-rata return.
Is it illegal to have two insurance policies on one house?
It's not illegal to have double insurance policies on one building. However, it's generally not recommended to do this. Doubling up on house insurance policies will eventually cause you quite a headache.
How do deductibles work when you have two insurances?
If both plans have deductibles, you'll have to pay both before coverage kicks in. You don't get to choose which health plan is primary, meaning the one that pays first. You don't get to choose which insurer will pay a certain claim.
What is double insurance?
Double insurance refers to the method of getting insurance of same subject matter with more than one insurer or with same insurer under different policies. This means that one can get insurance policies on a subject matter more than its value. Double insurance is possible in all types of insurance contracts.
Can I be covered by two car insurance policies?
While having two auto insurance policies on the same vehicle is technically possible, it's generally not recommended. Car insurance policies are designed to provide primary coverage for specific vehicles, and having duplicate coverage can lead to complications and potential conflicts in the event of a claim.
How many insurance claims can you file?
Filing more than three claims in a three-year period can put you at risk of having your car insurance policy non-renewed or canceled. If you're in a situation where you think you need to file a claim, follow our guide.
What happens if you have two insurances?
A process called coordination of benefits determines which insurance plan will pay first. Your primary plan will pay for the health claim first, paying the costs up to the plan's coverage limits, and then your second plan will kick in. Having 2 plans doesn't mean that you won't have any out-of-pocket costs.
Can insurance companies see each others' claims?
Do auto and homeowners insurance companies share my information about claims? Yes.
Is double coverage illegal?
The short answer to that question is yes, you can have two health insurance plans. In fact, it's becoming increasingly common for individuals to have more than one health insurance plan.
Can I use my secondary insurance as primary?
The short answer is no, you can't. As outlined above, an individual's employer-sponsored plan will always be primary. Even if a spouse or parent's plan has better coverage or maybe a lower deductible, you can't submit claims to them first.
Can you have two accidental insurance policies?
Filing a claim on two different auto policies for the same vehicular repairs or attempting to get your medical bills covered twice by separate health insurers would be considered fraudulent double dipping.
Does it matter who is primary on insurance?
The insurance that pays first (primary payer) pays up to the limits of its coverage. The insurance that pays second (secondary payer) only pays if there are costs the primary insurance didn't cover. Tell your doctor and other health care providers if you have coverage in addition to Medicare.
What is the birthday rule?
The rule requires that the parent whose birthday comes first in the calendar year would cover the cost of delivering the new baby regardless of whether one parent has better health coverage for a newborn than the other.
How to submit a claim to secondary insurance?
After the primary insurance processes the claim, note the allowable amount, the patient responsibility and any adjustments. Submit the claim to the secondary insurance. Make sure to include the original claim amount, how much the primary insurance paid and reasons why they didn't pay the entire claim.
Can I claim from two insurers?
If the claim limit on one plan is insufficient to cover your hospital claim amount, you can claim the remaining amount from your other insurance plan. The only thing that you should remember as the policyholder is that you have the right to settle your claim with any one of your insurers.
Can 2 insurance companies pay on the same claim?
- You don't get to choose which insurer will pay a certain claim. However, if the first insurer doesn't cover a certain treatment, or covers it only partially, you can then submit the remainder of the claim to your secondary insurer for payment, assuming the treatment is covered under the second plan."
What is a dual claim?
If the mailer and the addressee both claim insurance and cannot agree on which one should receive the payment, the Postal Service pays any amount due to the mailer, unless the Postal Service has already paid the claim to the addressee who presented the original mailing receipt.