But there's a potential liabilty every time one may cross the strret, because the truck that may kill one was manufactured during the term of a policy of five years ago does that render that insurer of five years ago to be liable?
It is dictated as clear as day in policies that it is for a specific duration, let us say until 31 December, and no claims may be made thereafter except perhaps for an incident, not a liability but an actual incident, that occurred before 31 December.
Get over it, the insurers are right, pursue this as you may but you shall just be wasting money and your life pursuing it.