Yes. You may still have a substantial claim even if your medical bills are being handled through health insurance, car insurance, or another form of coverage. In Maryland, the element of pain and suffering is almost always the largest component of personal injury damages, and insurance doesn’t address it.
You deserve compensation for the suffering you’ve experienced and the pain and trauma of the accident. Perhaps you’ve lost your ability to ride your bike, play tennis, go on hikes in the mountains, and do other things you enjoy as part of your lifestyle. Maybe your family is struggling to cope without your help doing chores and things around the house.
Your loss of consortium, or intimate relations, may also be a consideration. Plus, many people find they have lost wages and lost future earning power due to their injuries and long recovery period. These hold value that can be part of your personal injury claim.