You need to see an admiralty or maritime lawyer (same thing). All of your damages arise from the shipboard accident so if you can recover on that case you don't need to see a medical malpractice lawyer. A good admiralty lawyer should know medical malpractice lawyers in the area if you need a referral. Try Avvo's "find lawyer" function or just google "admiralty lawyer Seattle."
Insurance companies are not in business to help you. It is typical for them to tell injured parties not to retain an attorney because they don't want to pay claims. Find a good personal injury attorney as soon as possible. If you don't GEICO will continue to take advantage of you.
I am sorry you lost your daughter so tragically. Mr. Lassen's advice is incorrect. The medical malpractice statute of limitations in CA is ordinarily one year. This applies to wrongful death cases as well. There are certain circumstances where the statute will be extended, but you should never count on that. Contact a CA medical malpractice lawyer immediately.
I am sorry this tragedy has happened, apparently to someone in your family. You absolutely need a lawyer for a wrongful death case, and a good one. Never expect an insurance company to deal with you fairly, or to offer you what a case is worth if you don't have a lawyer to watch out for you. Also, wrongful death cases almost always require proceedings in the probate court for approval of any proposed settlement. You can't navigate those proceedings without a lawyer.
I can't add much to two excellent answers already posted. I teach ethics to other lawyers and handle legal malpractice cases all the time. I will vouch for the fact that the vast majority of lawyers are honest hardworking people who are committed to their clients. You may find more detailed information in my Avvo guide on legal malpractice. You can access it by clicking on my picture and following the links at the bottom of my bio.
There are no guarantees in medicine or surgery. A bad result is not enough to prove the doctor did a bad job. It's very difficult to prove that joint replacement surgery was done wrong, even with the assistance of an expert. But, every case rests on its own unique facts. You need a lawyer to investigate for you.
Anybody who needs an organ transplant is by definition not at all healthy, so you would have an uphill battle proving first of all, that the doctor did not use best judgment in deferring the transplant while dealing with another condition, and second, whether your husband is in fact any worse off due to the delay in performing the transplant. Lastly, you should know that the statute of limitations in NY is 2 1/2 years from the malpractice, with certain exceptions. Absent much more specific...
There is no such thing as willful negligence. A willful act is intended to cause harm. A negligent act causes harm through lack of care. A medical procedure performed without consent may be willful or negligent. There are bodies of law that have developed in various states that apply to different situations, largely on a case by case basis. If you post a question with some specific facts, without using names or excessive details, you might get an more informative answer.
I am sorry you lost your sister under such tragic circumstances. You certainly should speak to a medical malpractice attorney. Consultations are generally free. I must add that unless you have extensive medical training, there is no way you can know that your sister's death was the fault of the health care providers. That's why you need a lawyer, and why lawyers need experts to help them. At the very least you will get some answers, and I know that is a lot more important than getting money...