In Luoyang, after the insurer pays, can I still claim from the restaurant or a third party?

[Direct conclusion] An insurance payout does not release the liable party; you may still pursue what the policy did not cover. Key points to keep in mind: 1. Actual expenses such as medical bills normally cannot be recovered twice, and the insurer takes over subrogation rights once it pays.】 How the claims interact: Both claims can run at the same time; you simply cannot be paid twice for the same medical bill. 2. | Item | Can you claim again | |---|---| | Medical costs | generally no | | Lost income | yes, for the shortfall | | Distress and suffering | yes, against the liable party | | Property loss | depends on whether fully paid | ◆ Tip: tell the insurer a third party is liable and never sign a waiver. 3. We can help map out both claims. 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Read the coverage and the exclusions before purchasing. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.