Having been through 4 or 5 it's time to stop driving episodes, NO ONE wants to be the one to say no. Even the PD will try to evade being the heavy.
Odds are it WAS time and the insurance company got the short straw. I was the heavy at least twice. Cuz I saw what happened when no one stepped up and said the obvious. My mom and step dad at a stop sign. He pulled out right in front of a van doing 30MPH, it plowed into mom's door. The Buick died protecting her. Nothing but bruises. I'd like to think I'll make 90 still driving. But not likely for me.
Sure wish it was weather like this!
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