The question is missing most of the facts needed to provide an answer. The short answer is that usually a court is going to have to tell the insurance company who to pay. To get a general idea of the issues involved, look at my Avvo guide to wrongful death in NY.Other states have different statutes, but most are quite similar to one another.
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In all wrongful death claims, the law of the state in which the car accident occurred determines who the death beneficiaries are. You will have to a call a local attorney to go over the law of your state and the potential class beneficiaries. The attorney will be able to break down who is entitled to receive a portion of the settlement in the wrongful death claim.
We are a colorado firm that handles wrongful death but I would need more information to be able to answer your question. You can reach me at Burg Simpson 303-792-5595 if you would like more information