Thanks for your nice comments, Mac. And Prisca, LDH doesn't need my permission to tear off on an investigative streak if that's what she wants. I've posted all I know about it to her privately as she requested. As noted by other responders, some of her ideas about insurance may not be as universally applicable as she seems to think.
Besides, if there were a little known, seldom used, byzantine, back-door, less-than-straightforward approach to something like this, you can be sure the Borg would be on it like a chicken on a Junebug.
And to the responder who wanted to know if it was known that the Borg was co-insuring; no. The "co-insurer" was not known. My father was grumbling for weeks about who this co-insurer could possibly be and promising that as soon as they found out, they were going to come down on them like a ten-thousand pound gorilla. Then, after considerable digging, he announced with a great deal of disbelief that the co-insurer was the Borg. All were stunned by the revelation, I assure you.
Francois