Old Acro, the master of the sob story, were you an insurance salesman? Let me give you another scenario. All of the above happens just like you told it but there is no insurance. A hotshot lawyer looks hard at Mrs Bob, discovers there is no insurance and sees that Mrs Bob has a 50% stake in a rural house worth 200K. He declines the job because he would make no money. A young lawer fresh from law school takes on the case and it gets to court. The judge sagely listens to all sides but deciedes ( as seems to be the case these days) that taking the house of a widow serves no real purpose and would simply add to Australias welfare bill.
Insurance was the first form of ursuary, and has lead to outrageous payouts and overpaid laywers.