@ MR Quite Happy
Thank you for your photograph of the forest at Habsheim. I am not sure how this correlates, however rather like most insurance companies, it does seem to have branches everywhere! Nevertheless it did involve the same aircraft type albeit in very different cirumstances. In that case the insurance companies satisfied the claims I believe.
Insurance is to protect you against the unexpected, whether it is caused by negligence or just plain bad luck. It is a commercial gamble and that is how the industry undertakes its business. The passengers in a commercial air transport are also usually covered against any claims they may have that arise whilst in the care of the carrier.
If it causes you personal grief that such claims may arise and impact adversely on the insurance company, you should save your hand wringing for the claims those insurance companies are now making on national governments (search AIG and others,) they are not so coy when it comes to making their own claims on the public purse.
In this case the carrier will have paid premiums that reflected the commercial risk associated with potential third party claims for damages.