In general, people don’t truly understand the majority of the process and everything that goes into a wrongful death suit. For example, dealing with the insurance companies and the multi-layer defenses that insurance companies put out in these cases are a huge factor. You will not likely find an insurance company readily offering a settlement or policy limits upon a wrongful death.
Oftentimes, they will wait and force affected individuals to hire an attorney and file a suit. Sometimes people on their own don’t even get a call from the insurance company who is responsible until an attorney is retained. Communication with the insurance companies will normally begin once an attorney is handling the case.