Does Insurance Cover Wrongful Death?

As a business owner, there are many challenges that you’ll face. Unfortunately, wrongful death may be one that you find yourself face to face with in the future. Understanding how your insurance coverage handles a wrongful death is a necessary part of preparing yourself for the worst.

What’s Wrongful Death?
Before we dive into what is covered by insurance, we need to first define what a wrongful death is. This type of claim happens when a close family member of the deceased person files suit against your company for negligence that leads to death. The whole concept of a wrongful death claim by a personal injury attorney in Los Angeles is to provide compensation for those close family members for the financial losses that they underwent due to the death of their loved one.

It’s important to note that not all negligence is done with intent. Rather, family members can utilize the help of a wrongful death lawyer in Los Angeles to bring up a claim against your company even if the neglectful act was accidental. In most cases, wrongful death settlements are agreed upon by both parties before the case makes its way through the court system.

Who Can Sue You?
Los Angeles wrongful death attorneys can help to sue companies on behalf of specified kin of the deceased individual. The exact definition will highly depend on the state that the deceased person was killed. Some states recognize kin as spouses and children. Others allow for stepchildren, parents, and domestic partners to sue on behalf of the deceased person. Those who are not considered to have a close relationship with the deceased person are not eligible for compensation.

A personal injury attorney in Los Angeles will represent the entire suit against the company. All parties seeking compensation due to the wrongful death must adjoin under one single suit. Therefore, you won’t need to have a wrongful death lawyer in Los Angeles defend you against multiple cases for the same deceased individual. When the wrongful death settlements are agreed upon, the damages will be distributed to the claimants according to the reigning laws in your state. 

What Are Damages?
Los Angeles wrongful death attorneys will try to seek multiple types of damage for their claimants. Most states will allow these claimants to seek damages for the following things:

  • Medical Expenses
  • Funeral / Burial Expenses
  • Loss Of Financial Support
  • Pain / Suffering
  • Loss Of Inheritance
  • Loss Of Love

Like all types of damage claims, wrongful death claims have a statute of limitations. Most states will set this statute period to two or three years after the death of the deceased person. In some states, the timeline may start to run at the time of the initial injury of the deceased person that led to their death.

Does Insurance Take Care Of It?
Situations like medical malpractice, faulty products, and even auto accidents can result in wrongful death suits. According to commercial liability policies, the wrongful death will be covered under the bodily injury part of your insurance policy. This is assuming that the act was not intentional that led to the person’s death. If a wrongful death suit finds that the act was intentional, your insurance will not cover it.

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