Good g-d, it's a terrible mess, isn't it? I simply cannot express how bad I feel for Chris and his family and how very frustrating it is to not be able to DO SOMETHING to alleviate the problem. :(
Insurance companies most definitely should be MADE to pay for this. How wrong is that if they get away without paying anything.
Needless to say, I'm one of the foolhardy ones that never takes out insurance (well, almost never :) ).
I hate all forms of insurance and only have what the law forces me to carry.