Death is the end of the life of a person. Death may occur as the result of an accident or physical injury. In automobile insurance claims, a death can have a set amount as would be defined under Accident Benefits. If it is a death resulting in a liability claim, then it is a "wide-open" situation as to what that life is worth. Most agents or brokers will recommend a minimum of $2 million Public Liability and Property Damage coverage, as awards in a lawsuit are open to the discretion of the civil court.