I heartily agree with the premise, and there's this compounding problem: "To make matters worse, the owner's insurance policy didn't cover comprehensive claims from road debris..." So when you combine these two issues, you end up with an unwritten, mob-boss-esque command of something like "Buy the most expensive insurance for all of your expensive widgets so that you can (maybe) be covered in the event that something…
He didn’t have comprehensive at all. Comprehensive is cheap with a deductible of a few hundred. People don’t forgo it unless they’re driving a junker. Reading the comments on the article, it sounds like the lack of comprehensive might have been a mistake during transferring policies between cars. If so, that’s a brutal consequence of an easy misclick or misstatement without a double check.
(I guess similar arguments could be made about other insurance markets)