Does Insurance Cover Wrongful Death Damages?

Losing your loved ones can be challenging. The amount of turmoil you may have to go through in the light of such a poignant event is unexplainable. Perhaps, deaths of our loved ones cause us grief, but sometimes it’s the aftermath that gives us more tension. The suffering spruces up more, especially when you have lost your loved ones in wrongful death. For instance, if your dear ones have lost their lives in a plane or car crash, died from medical malpractice, or even suicide, which may have been caused through another person’s involvement, has severe consequences.

You might have to undergo certain exquisite expenses like paying for the medical costs, last rites, rituals, funeral costs, etc. This might lead you to wonder if ever insurance can cover the wrongful death damages you are currently bearing. If so, then we should inform you that if the death was a result of someone’s contributory negligence and voluntary actions, then there’s a high possibility that their car or home insurance might be able to compensate for your damages. In such a case, you might want to consider hiring a wrongful death attorney.


Judge Dan Hinde

What Is Wrongful Death?

Wrongful death is the death of a person due to negligence, an intentional act, or some other wrongdoing caused by another person. It may include a fatal end of a person in a deadly car accident while at work or may even have death caused by an industrial mishap or contact with harmful and toxic chemicals. In simpler words, wrongful death is when a person dies due to the negligence of another person or company.

What Is A Wrongful Death Claim And When Can You File It?

Regarding the information above, a wrongful death claim is a claim against a person who can be held liable for a person’s death, since a wrongful death occurs due to the other person’s fault. However, it is also important to note that wrongful death should not be confused with a murder. That is why, before claiming damages for wrongful death, it becomes significant to know that wrongful death damages can be claimed after it becomes definite that the cause of death was the fault of someone else due to their negligence or malpractice. Thus, a matter of filing for wrongful death damages is viewed by the court as a civil case and not a murder case. So, filing a claim for wrongful death damages should be done through the help of an experienced wrongful death attorney.

What Comprises Of Compensation For A Wrongful Death Claim?

Perhaps we all understand that nothing can compensate for someone’s loss of life. That is why compensation for wrongful death damages are awarded so that it can, in the very least, sustain and aid in the survival of their family members after someone has wrongfully died. With the help of an astute wrongful death attorney, it may become apparent to you that insurances or awards and compensations are awarded in different categories that can be assessed by the court. These can include:


  1. Economic Compensation: May be awarded for the monetary expenses incurred like burial and funeral costs, medical bills, etc. after a thorough legal assessment.
  2. Non-Economic Compensation: May be granted for the unexplainable damages and grievances caused by the death of the family member. These damages are usually a legal recompense for the anguish and suffering caused to the family members after the death.

Since such damages don’t hold a fixated monetary value, they have to be assessed under a legal purview, with which our experienced wrongful death attorney at Rector Law firm may be able to help you.

Why Is It Necessary To Take Help From A Wrongful Death Attorney?

There are an endless number of reasons why you should consider taking help from a highly experienced wrongful death attorney in Colorado Springs, CO. For example, many corporations or individuals may take unfair advantage of your grieving to deploy you to a considerably low compensation. On top of that, the opposing party may try to challenge your claims with a robust legal backing and even try to dismiss your claims. In such cases, hiring a lawyer may help you avoid such situations. Further, if you are uncertain of what is compensable, then your lawyer may work with you in making you understand the damages your family has suffered.

Do Insurance Companies Pay For The Pain And Affliction Caused By Wrongful Death?

Vividly speaking, yes. Technically, however, in the cases of a wrongful death caused by a road accident, several automobile companies have liability policies that usually pays for the pain and affliction caused to the family members of the wrongfully deceased. So, the insurance companies term this liability under the tag of ‘bodily injury liability’ wherein the car insurance company of the person who has acted irresponsibly is liable to pay for the compensatory or the punitive damages for the pain and suffering of the relatives. Under this, the insurance can cover the expenses of medical bills and the loss of jobs.

Filing Claims For Wrongful Death Damages Can Improve Your Life, If Not Fix It

To conclude, it can be derived that though we can never compensate for the loss of an innocent soul, we can only ensure that the ones who suffer because of it are duly and respectfully indemnified for their loss. Further, a wrongful death attorney will surely encourage you to file for such a claim to ensure that the person responsible for the wrongful death of the deceased pays the price of their wrongdoing. Following this, you may receive awards and monetary compensation from insurances and other sources.

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