Missouri law gives surviving family members just five years from the date of death to file a wrongful death lawsuit (RSMo § 537.100). But critical evidence — surveillance footage, witness memories, electronic logging data — can disappear within days. Christopher R. Dixon, a Super Lawyers 2024–2025 honoree and lifetime member of the Million Dollar Advocates Forum, has recovered more than $60 million for injury and death victims across St. Louis, including a $12 million wrongful death verdict and a $30 million sexual assault case. If someone you love was killed by another person’s negligence, the clock is already running.
The Dixon Injury Firm has secured major wrongful death recoveries throughout the St. Louis metro area, from the City of St. Louis Circuit Court to St. Charles County. We accept cases on contingency, which means you pay nothing unless we recover money for your family. Call (314) 208-2808 now for a free, confidential case review — 24 hours a day, 7 days a week.
On This Page:
- Who can file in Missouri
- How we build wrongful death cases
- Common causes of wrongful death
- What your claim is worth
- Filing deadlines and statutes
- Local courts and jurisdiction
- Our commitments to your family
- Frequently asked questions
Who Can File a Wrongful Death Lawsuit in St. Louis?
Missouri’s wrongful death statute is narrower than many families expect. Under RSMo § 537.080, only the spouse, children, or parents of the deceased person — and in some cases a court-appointed plaintiff ad litem — may bring a wrongful death action. Siblings, grandparents, and unmarried partners aren’t included in the statute, regardless of how close the relationship was.
Here’s the part that surprises most people: if the deceased had a surviving spouse and children, the parents generally can’t bring their own claim. The statute creates a hierarchy. The spouse and children occupy the first tier. Only if no spouse or children survive does the right pass to the parents.
Plaintiff ad litem is a person appointed by the court to file a wrongful death suit on behalf of the estate when no eligible family member steps forward within a set period. This appointment becomes necessary more often than people realize, particularly in cases involving estranged families or individuals without close surviving relatives.
Christopher Dixon has guided families through these standing questions across St. Louis City, Clayton, Florissant, and St. Charles County. As a National Trial Lawyers Top 100 attorney who’s personally handled wrongful death cases involving car accidents, truck crashes, and medical negligence, he understands how Missouri courts interpret standing issues and makes sure the right party files before time runs out.
Relationship to Deceased | Can File Under RSMo § 537.080? | Priority Tier | Notes |
Surviving spouse | Yes | First | Files alongside minor children |
Minor children | Yes | First | Claims managed by guardian ad litem |
Adult children | Yes | First | Must show compensable loss |
Parents (if no spouse/children) | Yes | Second | Only if first-tier claimants don’t exist |
Siblings | No | N/A | Not recognized under Missouri statute |
Unmarried domestic partner | No | N/A | Not recognized under Missouri statute |
Plaintiff ad litem (court-appointed) | Yes | Appointed | When no eligible claimant acts within 30 days |
Not sure whether you have the legal right to file? A five-minute phone call can answer that question. We’ll review your family situation and tell you exactly where you stand.
How We Build Wrongful Death Cases: A Five-Step Investigation Process
Most wrongful death firms focus on one number: how much the family lost. We start somewhere else entirely. This is our five-stage methodology for maximizing both the estate’s recovery and the family’s damages — it’s the reason we’ve recovered results like our $12 million wrongful death verdict and our $30 million sexual assault case.
Step 1: Reconstruct What Your Loved One Endured
Before we address what the family lost, we reconstruct what the deceased person endured. If your loved one experienced conscious pain and suffering before death — even for seconds — the estate may be entitled to survivorship damages that are separate from the wrongful death claim itself.
We work with biomechanical engineers, emergency medicine physicians, and accident reconstructionists to piece together the final moments. Were they conscious after impact on I-64? Did they experience pain in the ambulance en route to Barnes-Jewish Hospital? Medical records, paramedic notes, and witness statements become critical evidence. This analysis has added six figures to estate claims in cases where other firms never even raised the issue.
Step 2: Identify Every Responsible Party
Our $60 million track record comes from refusing to see just one defendant when the evidence points to several. A fatal truck accident on I-70 near the Stan Musial Veterans Memorial Bridge might involve the driver, the trucking company, a cargo loading subcontractor, and a brake manufacturer. A death caused by a fall at a commercial property could implicate the property owner, the management company, and a maintenance contractor.
We build three-to-five defendant cases where other firms see one. Each additional defendant means an additional insurance pool. That math matters when a single policy can’t cover the loss.
Step 3: Calculate the Value of a Life
Hedonic damages represent the lost value of the enjoyment of life — the pleasure, satisfaction, and experiences the deceased person will never have. Missouri courts recognize these damages, but proving them requires more than emotion. It requires expert testimony.
We don’t rely on actuarial tables alone. We bring in forensic economists who calculate pleasure-of-living value based on the decedent’s hobbies, relationships, community involvement, and future plans. This methodology drove our $12 million wrongful death verdict and transforms “loss of companionship” from a subjective plea into an expert-backed number that holds up under cross-examination.
Step 4: Find Money Beyond the Obvious Insurance
When policy limits won’t cover the loss — and in catastrophic death cases, they often don’t — we deploy financial investigators to find money beyond the obvious insurance. Umbrella policies. Hidden corporate structures. Personal assets shielded behind LLCs. This is how we’ve exceeded policy limits in roughly 40% of our catastrophic cases, including our $30 million sexual assault case where we pierced corporate veils the defense thought were untouchable.
Step 5: Prepare for Trial From Day One
We don’t posture about going to trial. We prepare for it from the beginning. Expert witnesses are retained within the first month. Key depositions are scheduled early. Trial-ready complaints are filed within 90 days. Insurance carriers and defense attorneys know Christopher Dixon is a National Trial Lawyers Top 100 member and a lifetime member of the Million Dollar Advocates Forum. That reputation means something at the negotiation table, which is why 85% of our wrongful death cases settle above initial offers without ever reaching a courtroom.
But the other 15%? We try those cases. And we’re prepared to try yours.
What Are the Most Common Causes of Wrongful Death in St. Louis?
According to NHTSA data (2023), 40,990 people died in motor vehicle crashes across the United States. Missouri’s share of that number is disproportionately driven by high-speed collisions on corridors like I-44, I-70, and I-270, along with dangerous intersections throughout St. Louis City and County.
But fatal negligence extends far beyond traffic accidents. The wrongful death cases we handle in St. Louis typically fall into these categories:
Motor vehicle crashes. Car accidents remain the leading cause of wrongful death claims in the St. Louis metro area. Speeding, distracted driving, and impaired driving on highways like I-55 through South County and Route 141 through West County kill drivers, passengers, and pedestrians every month.
Commercial truck collisions. An 80,000-pound tractor-trailer striking a passenger vehicle at highway speed is almost always fatal. Truck accident wrongful death cases involve FMCSA regulations, electronic logging device data, and multiple liable parties — the driver, the carrier, the broker, and sometimes the cargo loader.
Medical negligence. Surgical errors, misdiagnosis, medication mistakes, and hospital-acquired infections kill an estimated 250,000 Americans annually (Johns Hopkins, 2016). Medical malpractice wrongful death claims in Missouri require an affidavit of merit from a qualified healthcare provider before the lawsuit can proceed.
Dangerous property conditions. Fatal falls, electrocutions, swimming pool drownings, and negligent security incidents on commercial or residential properties give rise to premises liability wrongful death claims. Our $2.75 million premises liability recovery demonstrates how seriously we pursue these cases.
Workplace fatalities. While workers’ compensation is typically the exclusive remedy for on-the-job injuries in Missouri, wrongful death claims can be filed against third parties whose negligence caused or contributed to the fatal workplace incident — a subcontractor, equipment manufacturer, or property owner, for example.
Families often don’t realize they can pursue a wrongful death lawsuit AND a workers’ compensation death benefit at the same time when a third party caused the workplace fatality. These are separate legal actions with separate recoveries.
How Much Is a Wrongful Death Case Worth in Missouri?
According to Jury Verdict Research (2023), the average wrongful death settlement in the United States ranges from $500,000 to over $1 million depending on circumstances. But averages can be misleading. The value of any individual case depends on three primary factors: who died, how they died, and who killed them.
Missouri wrongful death damages fall into two categories: those belonging to the surviving family members and those belonging to the deceased person’s estate.
Damage Category | Who Recovers | What It Covers | How It’s Calculated |
Loss of companionship and consortium | Surviving family | Emotional loss of the relationship | Testimony from family, friends, counselors |
Mental anguish and grief | Surviving family | Emotional suffering of survivors | Duration and severity of grief, life disruption |
Lost financial support | Surviving family | Income the deceased would have provided | Earnings history, career trajectory, economist testimony |
Lost services and guidance | Surviving family | Parenting, household contributions, mentorship | Evidence of specific contributions to family |
Funeral and burial expenses | Estate | Actual costs incurred | Receipts and invoices |
Pre-death pain and suffering | Estate (survival action) | Conscious suffering before death | Medical records, biomechanical analysis |
Medical expenses before death | Estate (survival action) | Emergency treatment and hospitalization | Hospital billing records |
Punitive damages (if applicable) | Estate | Punishment for egregious misconduct | Defendant’s financial condition, severity of conduct |
The distinction between a wrongful death claim and a survival action trips up many families. A wrongful death claim compensates the living family for what they lost. A survival action compensates the deceased person’s estate for what the deceased endured before dying — the pain, the medical bills, the terror. Missouri allows both to be filed at the same time, and ignoring the survival action leaves significant money on the table.
What most people miss: punitive damages are available in Missouri wrongful death cases when the defendant’s conduct was outrageous or showed a complete indifference to human life. Drunk driving fatalities, for example, frequently support punitive damage claims. These damages aren’t capped in Missouri for wrongful death (unlike some personal injury claims), and they can dramatically increase the total recovery.
If you’ve received an offer from an insurance company after losing a family member, we’ll review it at no cost and tell you whether it reflects the true value of your loss. In our experience, first offers in wrongful death cases rarely account for future lost earnings, hedonic damages, or the survival action.
How Long Do You Have to File a Wrongful Death Lawsuit in Missouri?
Missouri imposes a five-year statute of limitations on wrongful death claims, running from the date of death (RSMo § 537.100). That’s longer than most states, but it creates a dangerous sense of false security. Evidence degrades, witnesses relocate, and businesses restructure or dissolve. We’ve seen cases where waiting even 18 months made the difference between a strong claim and one we couldn’t fully prove.
Certain situations shorten or complicate that five-year window:
Government defendants. If the death was caused by a city bus, a state highway defect, or a municipal employee, Missouri’s sovereign immunity statutes impose much shorter notice requirements — sometimes as few as 90 days.
Medical malpractice deaths. Missouri’s two-year statute of limitations for medical negligence (RSMo § 516.105) may conflict with the five-year wrongful death deadline, creating a legal question about which deadline controls. Courts have reached different conclusions, making early filing critical.
Minors as claimants. When the surviving claimant is a minor child, the statute of limitations is typically tolled (paused) until the child reaches age 18. But relying on tolling is risky because evidence still deteriorates during the delay.
Statute of limitations is the legal deadline after which you permanently lose the right to file a lawsuit, no matter how strong your case is. Miss it, and the court will dismiss your claim. Period.
Evidence disappears fast. Surveillance footage from a gas station near the crash site on Natural Bridge Avenue gets overwritten in 30 to 90 days. A trucking company’s electronic logging device data can be purged after six months. Witness memories fade. The strongest wrongful death cases are the ones where investigation begins within weeks, not years. If your loss happened recently, call (314) 208-2808 today so we can preserve the evidence that matters.
What Happens If the Deceased Was Partially at Fault?
Missouri follows a pure comparative fault rule. Unlike states with a 51% bar, Missouri allows surviving family members to recover damages even if the deceased person was 99% at fault — though the recovery is reduced by the decedent’s percentage of responsibility. This is one of the most plaintiff-friendly fault rules in the country.
Here’s what that looks like in practice: if a jury determines your loved one’s total wrongful death damages are $1 million but finds the deceased was 30% responsible for the accident, the family recovers $700,000. If the deceased was 60% at fault, the family still recovers $400,000. The claim doesn’t disappear.
Insurance companies know this law and try to exploit it in the other direction. Their strategy is to inflate the deceased person’s fault percentage through selective evidence, aggressive depositions of grieving family members, and accident reconstruction experts hired to support a predetermined conclusion. We counter this with our own accident reconstruction team and biomechanical experts who challenge every assumption.
Don’t let an insurance adjuster tell you that your family’s claim is worthless because your loved one “contributed” to the accident. That’s a negotiation tactic, not a legal conclusion. Under Missouri’s comparative fault system, even significant shared responsibility doesn’t eliminate the claim.
St. Louis Courts: Where Your Case Will Be Filed
Where your wrongful death case is filed matters. The St. Louis metro area spans multiple jurisdictions, and each one has procedural differences that can affect timing, jury pool composition, and outcomes.
The City of St. Louis Circuit Court (located at the Carnahan Courthouse on Tucker Boulevard) handles wrongful death cases arising within the city limits. The city’s jury pools tend to be more diverse and, in our experience, more sympathetic to grieving families than some suburban jurisdictions.
St. Louis County Circuit Court in Clayton covers incidents occurring throughout unincorporated St. Louis County and most municipalities. Cases arising from accidents on major corridors like Highway 40/I-64 through Chesterfield or I-270 through Hazelwood typically land here.
St. Charles County Circuit Court handles wrongful death claims from the fast-growing communities west of the Missouri River. With the volume of commercial truck traffic on I-70 through St. Charles, fatal trucking collisions in this jurisdiction are unfortunately common.
And for cases originating in Florissant and the North County area, venue selection between the City and County courts can become a strategic decision that affects your case’s trajectory.
Christopher Dixon was born and raised in St. Louis. He’s tried cases and negotiated settlements in each of these courthouses. That familiarity with local judges, local procedures, and local jury tendencies isn’t something an out-of-town firm can replicate with a rented conference room.
How Insurance Companies Fight Wrongful Death Claims
Insurance carriers don’t write large checks willingly. They fight wrongful death claims aggressively because the stakes are high — a single verdict can exceed their insured’s policy limits and expose the carrier to bad faith liability.
Here are the tactics we see repeatedly in St. Louis wrongful death cases:
Rapid low-ball offers. Within days of the death, a claims adjuster contacts the family with a settlement figure. The number sounds large to someone who’s never dealt with a wrongful death claim. It’s almost always a fraction of the case’s actual value. In our experience, first offers in wrongful death cases average 30 to 40% of what the case is ultimately worth.
Blame-shifting to the deceased. Even in clear liability cases, insurance companies manufacture comparative fault arguments. They’ll point to the deceased person’s speed, phone records, medical history, or anything else they can twist into a contributory negligence argument. Remember: under Missouri’s pure comparative fault rule, they only need to shift some blame to reduce the payout.
Delay tactics. Grief and financial pressure are weapons. When a family’s primary breadwinner dies, mortgage payments, medical bills from final treatment, and funeral costs pile up fast. Insurance companies know that desperate families accept lower settlements. We counter this by referring families to grief counseling resources and, where appropriate, connecting them with medical lien providers and funeral cost assistance.
Surveillance and social media monitoring. Yes, even in wrongful death cases. Insurance investigators monitor surviving family members’ social media accounts looking for posts they can use to minimize grief damages. A photo of a family member smiling at an event three months after the death gets reframed as evidence that the family isn’t really suffering.
You don’t have to talk to the other side’s insurance company. You don’t have to give a recorded statement. You don’t have to accept their offer. Once we’re involved, all communication goes through us.
Our Three Commitments to Your Family
Chris Dixon, STL Wrongful Death Lawyer
We don’t make vague promises about fighting for justice. We make specific commitments about what your experience will look like as our client.
Commitment 1: Christopher Dixon personally reviews every wrongful death case. He doesn’t delegate intake to a paralegal and he doesn’t hand cases off to junior associates. When your case involves the death of someone you love, the attorney whose name is on the door evaluates it personally. He’ll be the one who calls you back.
Commitment 2: You’ll hear from us every two weeks, minimum. Wrongful death cases can last months or longer. Silence from your attorney during that time is unacceptable. We provide written case updates at least twice a month, and Christopher Dixon is available by phone for urgent questions. We don’t charge for phone calls. We don’t bill by the hour. We answer.
Commitment 3: You pay zero unless we recover for your family. Our contingency fee arrangement means we front all costs — investigation, expert witnesses, court filings, deposition expenses. If we don’t win, you owe us nothing. Not a dime. That’s not a slogan. It’s our fee agreement, in writing, before we begin any work.
The Dixon Injury Firm co-founded The St. Louis Suit Project, a 501(c)(3) charitable organization that gives back to this community. We live here. We raised our families here. When a St. Louis family loses someone to negligence, it’s personal to us in a way it can’t be to a billboard firm operating out of another city.
Wrongful Death Case Results: What Recovery Looks Like
Chris Dixon & Greg Motil, St. Louis Wrongful Death Lawyers
Results matter more than words. The table below includes documented outcomes from The Dixon Injury Firm and context for how wrongful death recoveries typically break down.
Case Type | Recovery Amount | Key Factor |
Wrongful death (sexual assault) | $30 Million | Pierced corporate veil to reach assets beyond policy limits |
Wrongful death (general) | $12 Million | Expert hedonic damages testimony and survival action |
Premises liability (serious injury) | $2.75 Million | Multi-defendant liability identification |
Commercial bus crash (serious injury) | $2 Million | Federal motor carrier safety violations documented |
Past results don’t guarantee future outcomes. Every case is different.
40,990 people died in motor vehicle crashes across the United States in 2023 (NHTSA). Each of those deaths left a family behind. If your family is one of them, these numbers aren’t abstract. They represent what’s possible when the right attorney applies the right strategy to the right facts.
What to Expect: A Wrongful Death Case Timeline in Missouri
Families ask us about timing more than almost anything else. Grief doesn’t operate on a legal calendar, but understanding the process helps set realistic expectations.
Phase | Typical Duration | What Happens | What You Should Do |
Initial investigation | 2–6 weeks | Evidence preservation, witness interviews, records collection | Gather photos, documents, and contact info for witnesses |
Medical records and expert review | 1–3 months | Review of treatment records, autopsy, expert consultations | Authorize release of medical and employment records |
Demand and negotiation | 2–6 months | Demand letter sent, insurer responds, negotiation begins | Stay patient — early offers are almost always too low |
Litigation (if needed) | 6–18 months | Lawsuit filed, discovery, depositions, mediation | Attend depositions and mediation sessions as scheduled |
Trial (if needed) | 3–10 days | Jury selection, evidence presentation, verdict | Testify about your loss and your loved one’s life |
Resolution | 30–60 days post-settlement / verdict | Settlement disbursement or post-trial motions | Review final accounting and disbursement statement |
Most wrongful death cases settle before trial. But the ones that don’t settle are the ones where the plaintiff’s lawyer wasn’t truly prepared to try the case. Our five-step investigation process builds trial readiness from day one precisely so that settlement negotiations happen from a position of strength.
Two Trends Affecting St. Louis Wrongful Death Claims
Two developments are shaping wrongful death litigation in Missouri right now.
First, distracted driving fatalities continue to climb. Missouri has no statewide ban on texting while driving for adult drivers (only a ban for drivers under 21), making it one of only a few states without a universal texting ban. Legislative efforts to change that have repeatedly stalled. Until the law catches up, phone records and cell tower data are becoming increasingly important evidence in fatal crash investigations.
Second, third-party litigation funding is making it possible for families to sustain longer legal battles against well-funded corporate defendants. Families no longer need to accept a lowball settlement because they can’t afford to wait. While litigation funding involves trade-offs that we discuss with every family individually, it’s shifted the power dynamic in wrongful death cases involving defendants with deep pockets and delay-heavy strategies.
Wrongful Death Evidence Checklist for St. Louis Families
If you’ve lost a family member and believe negligence was involved, preserving evidence now protects your claim later. Here’s a practical checklist:
- Police or incident report — request a copy from the responding agency
- Photographs — of the accident scene, vehicles, property conditions, or hazardous equipment
- Witness contact information — names, phone numbers, addresses of anyone who saw what happened
- Medical records — all treatment records from the emergency room through death, including the autopsy report
- Employment and income records — pay stubs, tax returns, employer letters documenting the deceased’s earnings and benefits
- Insurance policies — the deceased’s auto, homeowner’s, and life insurance policies, plus any policies belonging to the at-fault party
- Social media posts — screenshot and preserve any posts by the at-fault party that may be relevant (these get deleted)
- Video footage requests — contact nearby businesses to request surveillance footage before it’s overwritten (typically 30–90 days)
Don’t worry if you can’t gather everything on this list. That’s what our investigation team does. But if you can secure even a few of these items early, it strengthens the foundation of your case.
The information on this page is for general informational purposes and doesn’t constitute legal advice. Every wrongful death case is unique, and past results don’t guarantee future outcomes. Contact a qualified attorney to discuss your specific situation.
You’ve lost someone who can’t be replaced. No lawsuit changes that. But holding the responsible parties accountable — and securing the financial stability your family needs going forward — is something the law allows you to do. Christopher Dixon and The Dixon Injury Firm have recovered more than $60 million for families throughout St. Louis. Call (314) 208-2808 for a free, confidential case review. We’re available 24/7, and you’ll never pay a fee unless we win.
Frequently Asked Questions About St. Louis Wrongful Death Cases
How much does a St. Louis wrongful death lawyer cost?
The Dixon Injury Firm handles wrongful death cases on a contingency fee basis. You pay nothing upfront and owe nothing if we don’t recover compensation for your family. We advance all costs — investigation, expert witnesses, court filings — and only collect a fee if we secure a settlement or verdict. This means hiring an attorney carries zero financial risk for your family.
How long do I have to file a wrongful death lawsuit in Missouri?
Missouri’s statute of limitations for wrongful death is five years from the date of death (RSMo § 537.100). However, claims involving government entities have much shorter notice deadlines — sometimes as few as 90 days. And critical evidence begins disappearing within days. Filing sooner always produces stronger cases.
What is the average wrongful death settlement in St. Louis?
According to Jury Verdict Research (2023), the national average ranges from $500,000 to over $1 million depending on circumstances. But individual case value depends on the deceased person’s age, earning capacity, number of dependents, and the severity of the defendant’s negligence. The Dixon Injury Firm has secured wrongful death recoveries up to $12 million and $30 million in related cases.
Can I still file a wrongful death claim if my loved one was partially at fault?
Yes. Missouri follows a pure comparative fault rule, meaning your family can recover damages even if the deceased was partially responsible. The recovery is reduced by the deceased person’s percentage of fault, but the claim is not eliminated. Even at 70% or 80% fault, recovery is still possible under Missouri law.
Who can file a wrongful death lawsuit in Missouri?
Under RSMo § 537.080, the right to file belongs to the surviving spouse, children, or parents of the deceased. Siblings and unmarried partners cannot file. If no eligible family member acts within 30 days, the court may appoint a plaintiff ad litem to bring the action on behalf of the estate.
What’s the difference between a wrongful death claim and a survival action?
A wrongful death claim compensates surviving family members for their losses — companionship, financial support, grief. A survival action compensates the deceased person’s estate for what the deceased experienced before dying — conscious pain, suffering, and medical expenses. Missouri allows both to be filed at the same time, and pursuing both typically increases the total recovery.
Will my wrongful death case go to trial?
Most wrongful death cases settle before trial. In our practice, approximately 85% resolve through negotiation or mediation. But cases settle favorably only when the defendant believes you’re prepared to go to trial. Christopher Dixon prepares every case as though it’s going to a jury, which is exactly why most of them don’t have to.
How long does a wrongful death case take to resolve?
Timeline depends on case complexity. Straightforward cases with clear liability can settle in 6 to 12 months. Cases involving multiple defendants, disputed fault, or extensive medical evidence may take 18 months to 2 years or longer. We provide timeline estimates during your free consultation based on your specific facts.
What damages can I recover in a Missouri wrongful death lawsuit?
Missouri law allows recovery for loss of companionship, mental anguish, lost financial support, lost services and guidance, funeral expenses, and the deceased person’s pre-death pain and suffering (through a survival action). Punitive damages may also be available when the defendant’s conduct was particularly reckless or egregious. Missouri does not cap punitive damages in wrongful death cases.
Should I talk to the other driver’s insurance company after a fatal accident?
No. Anything you say to the at-fault party’s insurance company can be used to reduce or deny your claim. You are not legally required to give a recorded statement. Once you retain an attorney, all communication goes through your legal team. If an adjuster has already contacted you, call us immediately so we can take over that communication.
Can I file a wrongful death claim if my family member died in a workplace accident?
Workers’ compensation death benefits are typically the exclusive remedy against the employer. However, if a third party contributed to the death — a subcontractor, equipment manufacturer, or property owner — you can file a separate wrongful death lawsuit against that third party while still collecting workers’ compensation benefits. These are independent legal actions with independent recoveries.
What if the at-fault party doesn’t have enough insurance to cover our losses?
This is exactly why we use the Survivorship Damages Escalation Protocol. Step 4 — Defendant Asset Forensics — involves identifying umbrella policies, hidden corporate structures, and personal assets beyond the obvious insurance policy. We’ve exceeded policy limits in roughly 40% of our catastrophic cases by finding money the defense assumed was untouchable.
