Does Auto Insurance Pay For Death Of Someone Else In An Accident? 
If you are deemed liable for the death in the accident , your insurance may pay up to your liability limits only . In wisconsin if you are responsible for the death of an adult in an auto accident the state mandated amount is $ 350,000 / each and for a child it is $ 500,000 / each . In order to try to protect yourself properly , I recommend that everyone has an umbrella policy that helps provide extended coverage at a lower cost . To under this better call your local agent and discuss your concerns with them as each state has its own regulations and each company has its own set of coverages and exclutions . 