Quadrille - 8:34 am on Sep 2, 2006 (gmt 0)

A few years ago, a 'first jump' parachutist land on a helicpoter's spinning blades. The helicopter owner sued her estate for damage to the helicopter.

It is rarely malicious, not even callous; it's all about insurance.

In many accident cases, especially the weird ones where there is no precedent, the insurance company(s) argue, and will not pay up until a court decides liability.

So someone who is fully insured has to take the bereaved to court, as the ONLY way to get the payout they insured for.