This requires a long answer…
In a normal situation, the victims insurance company would have to pay the victims family whether they caught the guy or not so they have a great incentive to catch the guy. So that is standard procedure. Because this would be the most common situation, I imagine the agreements among insurance companies would be that if a company’s client was murdered, they could go after the criminal’s insurance company for the money. So to the criminal’s insurance company, it wouldn’t concern them what the details are of the contract between the victim and the victim’s insurance company - there is an agreement between the insurance companies and that is that. If the victim did not specify anybody to leave the restitution money to, then the victim’s insurance company won’t leave it to anyone. They will keep it to themselves (i.e. major profit). This gives the victim’s insurance company a great incentive to go after the murderer (maybe even more so than the typical situation).
This would be a wildly efficient system because bounty hunters would spring up all over the place. Think about it, you catch a murderer and you can offer them to the insurance company that’s hunting them and make a huge profit. I imagine restitution would be in the millions (more than an ordinary death). Once someone was labeled a murderer, they would have nowhere to hide. Even normal every day people would check the “most wanted” posters and dream about running into one of these criminals because catching them would mean early retirement. People would be so anxious to catch these guys that everyone would start packin 9s if they heard any rumor that the criminal was in their town, just in case it was their lucky day.
Now of course the next question is, what if the criminal doesn’t have insurance? Well, guess what? He still has organs and organs are expensive. Since he has no insurance, no one is going to stop the insurance company from doing this. Hey, they gotta make money, right? They’d go kill the guy and put him on ice. Actually, they’d probably keep him alive until all the people who need his organs are in the hospital and ready to go then it’s slice and dice and the criminal gets to save lives. Now talk about efficient: the criminal is no longer a threat to society, 10 people’s lives are saved and the insurance company made out with a huge profit.
Oh but that got you thinking didn’t it? What stops the insurance companies from going and stealing anyone’s organs that doesn’t have insurance? What stops them from dropping their own clients and then harvesting their organs for a better profit? Charities. That’s what stops them. All these insurance companies are going to want to fund insurance charities to cover the uninsured and even the criminals that aren’t donig anything too serious but have premiums too high to pay.
Of course, if it is obvious you have money (or that you haven’t been working for a long time and could easily get a job if you wanted) and you go to these charities, they are not going to cover you and so you are SOL. This ensures that people that can pay do pay. That is the main reason why pay-for insurance companies will want to be the ones funding these charities: that way they can enforce the “if you can pay and don’t you’re SOL” rule so then they get more premiums for their pay-for company rather than leave it up to inefficient bleeding heart charities that give money to anyone. So you’ve got competition in this area of charities and the insurance companies will want to promote them to their customers and encourage paying into them for those that can. People will want to pay at least a little to these charities because that makes it a lot more likely that a charity would cover you if you ever needed one. Although you’d probably be covered if you lost your job or something, it’d be an uncomfortable situation and so people wouldn’t be unemployed for long. It’s great motivation being in the unknown zone.
But you’re still not satisfied, right? What if the victim and the criminal are in the same insurance company? Or what if people really don’t like the organ harvesting idea and fund charities to cover ALL criminals? Well, in that case, the client has to be a little intelligent. I imagine a common practice might be to leave your money to a charity so that way you don’t end up in that situation.
You’d have to have a contract that if your insurance company ever bought that charity or had some kind of financial connection that would screw up this arrangement, then you would have to be notified within 60 days before they bought them out or something like that. And then you would switch to some other charity (or whatever other kind of institution). Maybe you’d have the restitution go to their competition.
So there you have it. There are many ways to resolve this just off the top of my head.