One of the difficult parts of filing a lawsuit of any kind, including a wrongful death lawsuit is where the money will come from. If you are filing a wrongful death lawsuit in a product liability or medical malpractice case, it is likely that the defendant likely has the money or has insurance to protect them from this type of lawsuit. However, if you are considering a wrongful death lawsuit against a private individual, recovering compensation may be like squeezing blood from a stone.
However, in some cases, you may be able to receive compensation from the negligent party’s insurance company. There are many different types of policies that may give compensation in the event of a wrongful death. One of the most common insurance policies that includes coverage for wrongful death is the homeowner’s insurance policy. This policy generally covers many types of accidents–most falling under the heading of premises liability–that may result in wrongful death. Some homeowners also purchase additional policies known as umbrella policies. These policies are intended to shield policy owners in the event of a lawsuit, and although they are often attached to a homeowner’s insurance policy, they apply far beyond the home, such as in a car accident.
However, until we have evaluated the exact language of the policy, we do not know whether it may be relevant in your situation.
If you are considering a wrongful death or other personal injury lawsuit, it is important to talk to a lawyer early so you can understand the numerous variables that may aid or interfere with you receiving compensation. For a free case evaluation, please contact Robert W. Kerpsack, CO, LPA in Columbus, Ohio.