After a fatal car crash, families are left struggling with both practical and personal losses. The grief that accompanies a premature death can be difficult to manage. Families must redistribute the work around the home previously managed by the person who died.
They also need to make drastic financial changes to account for the loss of their loved one’s income. While car insurance can help defray some of the expenses generated by a fatal car crash, grieving families often need to file personal injury lawsuits due to the limitations of liability insurance coverage.
Personal policies offer mediocre support
Quite a few drivers do not maintain the insurance required by law, which may make a lawsuit the only option for covering the expenses of a fatal crash. Even those with insurance frequently only pay for the least amount of coverage the law mandates.
That may leave survivors with as little as $30,000 in bodily injury liability coverage to pay for both end-of-life medical care and the lost wages of their family member. Hospital bills alone could add up to more than $30,000.
If the crash affected two or more people, then the minimum coverage available might be $60,000, which is still woefully inadequate for the costs generated by a deadly collision. While some people do invest in more liability coverage, their policies may not adequately address lost income and a lifetime of financial challenges triggered by a fatal collision.
Reviewing the circumstances of a deadly crash with a wrongful death attorney can help families explore whether they can file a lawsuit and who might be liable. Successful litigation can lead to better compensation for those harmed by a deadly car wreck.