For the few non aviation insurance claims I have been involved with, the entry point to discussion of a payout seemed to have been: Did the damage result from deliberate action, or accidental action? Pilot runs out of fuel, not bright, but arguably accidental. Pilot deliberately (and evidently preplanned) abandons the plane for no reason associate with the pilot's safety = deliberate action resulting in a loss. Though I doubt we will hear, were there to be an insurance payout on the airplane, I would be fascinated to hear the basis for finding it to be an insurable loss. To me, this is akin to bailing out of your car the moment before it went off a cliff you deliberately pointed it toward. The crash at the bottom and destruction of the car was not accidental.