The Role of Insurance in Wrongful Death Cases

Wrongful death cases are devastating for those involved. Families struggling with the loss of a loved one have to navigate the legal system in the midst of emotional turmoil. Dealing with an insurance claims process can be extremely difficult under these circumstances. In this blog post, we will focus on the impact of insurance in wrongful death cases and explore strategies to ensure that families receive fair compensation. 


How Insurance Companies Handle Wrongful Death Claims

Insurance companies are central to wrongful death cases. They are the entities responsible for covering the costs associated with these tragic events. When faced with a wrongful death claim, insurance adjusters assess the circumstances surrounding the incident, evaluate liability, and decide how much compensation to offer. Families should never forget that insurance companies are profit-driven entities and their valuations are impacted by this reality. 


Factors Influencing Wrongful Death Settlements

1. Policy Limits

One of the key factors determining the extent of a settlement is the insurance policy’s limit. Insurance policies have pre-defined maximum payouts, and settlements typically cannot exceed these limits. 


2. Liability Assessment

Insurance adjusters will investigate the incident to determine liability. The clearer the evidence establishing the defendant’s responsibility, the stronger the case becomes for a favorable settlement. However, insurance companies may dispute liability to minimize payouts.


3. Economic and Non-Economic Damages

Wrongful death settlements often include economic damages like lost income as well as non-economic damages like pain and suffering. Calculating these damages requires a thorough understanding of the decedent’s life circumstances. 


Strategies for Ensuring Fair Settlements

1. Thorough Documentation

To build a strong case, families should provide comprehensive documentation of the incident, including police reports, eyewitness accounts, and medical records. Thorough documentation enhances the likelihood of an accurate assessment by the insurance company.


2. Legal Representation

Engaging an attorney with experience in wrongful death cases is often crucial. A lawyer can navigate the complexities of the legal system, negotiate with insurance companies, and ensure that families receive just compensation.


3. Experts

Hiring experts to calculate the full extent of the deceased person’s damages is often very helpful in wrongful death cases. Actuaries and economists can provide analysis to bolster the claim for compensation. 


4. Negotiation Expertise

Negotiating with insurance companies demands experience and skill. Having a seasoned attorney on your side can significantly improve the chances of securing a fair settlement. Attorneys can use their knowledge to counter lowball offers and negotiate for just compensation.



Wrongful death settlements are difficult journeys that demand a delicate balance between emotional healing and legal justice. As families navigate these challenging waters, understanding the pivotal role of insurance companies is essential. By understanding the factors influencing settlements and employing effective strategies, families can increase their chances of receiving fair compensation for their loss. 


If you are dealing with a wrongful death claim and are seeking experienced professionals to guide you throughout the legal process, Vames, Wang & Sosa Injury Lawyers are here to assist you. Our team of dedicated attorneys understands the emotional toll of such cases and is committed to helping you secure the justice and fair compensation your family deserves.


Don’t face this challenging journey alone – call us today at 503-669-3426 for a free consultation and let us stand by your side, providing the legal assistance and compassionate support you need during these trying times.

Emery Wang

Emery Wang

Emery Wang has been a lawyer in Oregon since 2009. While attending Lewis & Clark law school, Emery worked as a Multnomah County District Attorney, and since then has been a full time personal injury lawyer.

Vames, Wang & Sosa Injury Lawyers focus on vehicle crashes, personal injury, and first-party car accident insurance claims. They have offices located in Gresham and Hillsboro.

Posted in