Insurance Company Negotiations After a Wrongful Death
When a loved one dies due to someone else’s negligence or wrongful act, the emotional and financial turmoil can be overwhelming. A wrongful death claim often involves negotiating with insurance companies, especially when seeking compensation for medical bills, funeral and burial expenses, and other damages.
Here’s a detailed look at the process and key considerations during insurance company negotiations after a wrongful death, particularly within Nevada law.
- Wrongful Death Statute of Limitations in Las Vegas: In Nevada, the wrongful death statute of limitations sets a time limit on how extended family members file a claim. Under Nevada Revised Statutes, this period is typically two years from the date of the person’s death, but exceptions can apply depending on the discovery of the cause of death.
- Discovery Rule: This rule can extend the statute of limitations if the cause of the wrongful death is not immediately apparent. It’s crucial in medical malpractice cases, where the effects of negligence might not be clear until much later.
- Punitive Damages: In cases of particularly egregious behavior by the defendant, a Nevada court may award punitive damages to punish the defendant and deter similar conduct.
Negotiating with Insurance Companies
When dealing with insurance companies in wrongful death cases, it’s essential to have an experienced attorney who is well-versed in Nevada law and the typical tactics employed by insurers. Here are some strategies and considerations:
- Documentation and Evidence: Successful wrongful death claims hinge on thorough documentation, including medical records, police reports, and witness statements. This evidence is vital in establishing the defendant’s liability and the extent of damages.
- Valuation of the Claim: Insurers often attempt to minimize the payout. An experienced attorney can help accurately value the claim based on the full extent of financial and emotional losses, pushing for maximum compensation.
- Negotiation Tactics: Insurance companies may offer a settlement quickly to avoid a lengthy legal process. However, assessing whether the offer covers all wrongful death impacts is important. Negotiations may involve several offers and counteroffers before reaching a fair settlement.
- Mediation and Litigation: Meditation might be the next step before proceeding to court if negotiations stall. The legal process becomes more formal in court, and the case details are presented in civil court before a judge or jury.