When consumers think about auto insurance, they may be more familiar with the spokespeople and jingles that insurance companies peddle to reinforce their respective brands. Ask any consumer, and it is likely that they will know the “like a good neighbor, State Farm is there” jingle. The same could be said about Farmers Insurance. As for catchy commercials, consumers likely know about Flo from Progressive Insurance, and the Geico gecko.

However, consumers may not know about the limitations that car insurance policies come with. 

Specifically, they may not understand that the basic purpose of auto insurance is to put a person back where they were before an accident. So if your car was damaged, insurance will help in paying for repairs. For those who are injured, insurance will take care of medical expenses. However, many insurance plans do not cover accidental death. For instance, if another person was killed, the insurance policy may not cover the expenses and damages involved.

Because of this, those who lost loved ones in a car accident may be inclined to pursue a wrongful death lawsuit. Such a lawsuit is designed to obtain compensation for pain and suffering, loss of companionship and the deceased person’s loss of income. However, wrongful death cases can be difficult to prove, and there are a number of moving parts that must be considered before undertaking such an action. Because of this, it is important to review your situation and advise you of your rights and options.

The preceding is not considered legal advice.