Man sitting beside his car after a car accident

Does Insurance Cover Wrongful Death? Unraveling the Complexity of Personal Injury Law

In the aftermath of a loved one’s death due to wrongful actions, you may find yourself embroiled in the unfamiliar territory of personal injury law. The Law Offices of Jared Spingarn, P.A., fondly known to many as Hire Jared, is here to help. We’ll answer the pressing question: does insurance cover wrongful death?

Wrongful Death Defined

distracted driving

Wrongful death, a legal term as haunting as it sounds, refers to a death caused by someone else’s negligence or intentional acts. This could be a distracted driving car accident, a medical incident due to a medical professional’s error, or even a faulty product from a vehicle manufacturer or other company. But amidst the grief, one must navigate the legal system, and often a wrongful death claim becomes necessary.

Wrongful Death Claims and Insurance Coverage

A wrongful death claim is a legal action taken against the party responsible for the death. Whether it’s a negligent driver’s insurance company or a government agency, the defendant could be a person or an organization. The goal of such a claim is to seek financial compensation for the deceased person’s medical bills, funeral costs, and other losses, including loss of future income.

The role of insurance in wrongful death claims is critical. Many people wonder, does insurance cover wrongful death? The answer, unfortunately, is more complex than a simple yes or no.

Navigating Insurance Policies

Insurance policies

Insurance policies, like car insurance or home insurance, often have a liability section. This covers expenses if the insured person’s negligence leads to bodily injury or death of another person. So, in wrongful death cases involving car accidents, the at-fault party’s car insurance may provide coverage. Similarly, a home insurance policy may cover wrongful deaths due to premises liability incidents.

However, there are often detailed exclusions that can limit or negate this coverage. Moreover, the insurance provider could contest the claim, making it crucial to have a skilled wrongful death attorney from a reputable personal injury law firm like Hire Jared on your side.

Why You Need a Wrongful Death Attorney

A wrongful death attorney plays a vital role in securing fair compensation from insurance companies. They know how to prove negligence, navigate insurance policies, and can even take legal action, like filing a wrongful death lawsuit, if the insurance company refuses to settle. Furthermore, a wrongful death lawyer can negotiate a wrongful death settlement, ensuring that surviving family members receive the financial support they deserve.

Legal remedies are available to you, and Jared Spingarn and his legal team are ready to provide a free case review. We’ll walk you through the complex terrain of personal injury law, offering comfort and clarity in these challenging times.

That’s a brief overview. There’s still more to explore, including the difference between wrongful death and accidental death, and the nature of wrongful death action. So, stick around as we unravel more intricacies of personal injury law.

Understanding Wrongful Death Claims

Wrongful death claims are legal actions filed by the family members or representatives of a deceased person, alleging that the death was caused by the negligent or intentional acts of another party.

What Can Constitute a Wrongful Death Case?

Defective Products

A wrongful death case can arise from numerous circumstances. Let’s explore a few common scenarios:

  • Car Accidents: If a car crash caused by a negligent driver results in the victim’s death, a wrongful death claim can be made. The driver’s car insurance may cover wrongful death depending on the specifics of the liability coverage.

  • Medical Malpractice: If a medical professional, such as a doctor or nurse, makes an error that results in the death of a patient, it could constitute a wrongful death case.

  • Defective Products: Manufacturers may be held liable for wrongful deaths if their products fail and cause harm. For example, a car manufacturer might be responsible for a wrongful death if a defective vehicle part led to a fatal accident.

The Role of an Insurance Company in Wrongful Death Cases

In a wrongful death case, the at-fault party’s insurance company often becomes a central player. This is particularly relevant when the wrongful death stems from a car accident or incident within a home. The insurer will typically evaluate the wrongful death insurance claim, deciding whether and how much to pay based on the specifics of the policy and the circumstances surrounding the death.

Launching a Wrongful Death Suit

A wrongful death suit is a lawsuit filed to seek compensation for the wrongful death of a loved one. This compensation might cover:

  • Medical Expenses: These could include the deceased person’s final medical bills, such as emergency care or hospitalization costs.

  • Funeral and Burial Costs: This can help alleviate the financial burden of funeral arrangements and burial services.

  • Lost Income and Benefits: If the deceased person was a provider for the family, the court might consider the future earnings they would have made.

The specific details of each wrongful death suit can vary depending on the circumstances and the jurisdiction. It’s essential to have a competent attorney like Jared Spingarn who can navigate this complicated landscape.

Gathering Expert Witnesses

expert witnesses

In wrongful death lawsuits, expert witnesses often play a pivotal role. They can provide testimony on key elements of the case, such as whether the alleged at-fault party’s actions were indeed negligent or reckless, and how the deceased person’s death has financially impacted the family.

For further insights into effectively engaging and using expert witnesses, I highly recommend reading this comprehensive guide on how to effectively engage and use expert witnesses. Click here to read more.

The Importance of Free Consultation

Before proceeding with a wrongful death claim or lawsuit, it is recommended to take advantage of a free consultation offered by personal injury law firms like Hire Jared. During this consultation, you can share the details of your case, and the attorney can advise you on the best legal strategy to pursue.


Understanding the intricacies of wrongful death cases is challenging, especially in the midst of grief. Insurance companies play a significant role in wrongful death cases and determining the compensation due to the family of the deceased. Legal firms like Hire Jared can guide you through the complexities of wrongful death claims, offering expert advice to help you achieve justice for your loved one.

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