It would seem more reasonable that you provide a cite of a case where
an aircraft insurance company paid off in a case where a pilot was not
copacetic--say, he was flying without a current medical, or flying
drunk,or making an off-airport landing.

First off, this is backwards (as the other poster remarked).

But second, I can provide such examples.

Pilot flew without current BFR. Didn't pay attention to storm, landed
downwing, wrecked aircraft but walked away. Insurance paid.

Glider pilot with rope break, no medical, and medications in his blood
(determined by toxicology) that would have precluded the issuance of a
medical. Spun in and died. Insurance paid.

Now - can you provide contrary examples?

Michael