Kobe and Gigi Bryant, along with the 6 other passengers on the doomed aircraft ... may all end up suing Island Express -- which owned the helicopter -- but aviation attorneys tell us there won't be enough money to go around.
Sources familiar with Island Express tell TMZ, the company had liability insurance coverage totaling $50 million. Our sources say that's not an unusual figure, but given the number of people Island Express transports on a single helicopter and the fact rich celebrities used the service ... the number is low.