'Bad analogy [they are all bad!]

'You buy a life insurance Policy of 100K on your own life.'You die.The insurer
does not send an "Adjuster" (Read: Professional Thief) to your heirs to haggle
over the wear and tear of your recently deceased carcass.'Whining and
postulating about how you had 75 years of living on your chassis and the
insurer cannot possibly pay the full stated value of the policy on such an
old person as you used to be.
The insurer is STUCK and must pay the CONTRACTED amount stipulated to the heirs.
You could not sell ANY kind of life insurance to anybody if it were based on
the "Shell Game Principle" that we've allowed our elected state representatives
to hornswoggle us into over automobile insurance!

Adjuster? I will not even speak to one! 'Have one call me,and the immediate
response is "paper" served on the insurer.

Even if y'all ain't got none of them Solicitors,Counselors or Attorney type
people in Maryland,I here tell that the streets of that Washington,D.C.
place are paved with them.

Edit: I just know y'all have one of them Insurance Commissioners (or some
such type official) give 'em a call on that newfangled VOIP telephony device.

Unfortunately, Here in Georgia, the state official in such a position is of no
assistance to the general public in such matters.
BUT, if you live in Florida...it's a whole 'nother ball game.The Insurance
commissioner's office in Tallahassee will go to bat for the citizen's.