Not that it equals this tragedy, but I had Progressive last month during which they covered someone having hit my car in a parking lot. They agreed to fix it without a problem, however when I was reviewing the progressive adjuster's notes (which detail what's to be repaired and with what parts) I noticed that they opted to choose aftermarket parts to fix the car because they were "cheaper and just as good". I had all original parts on my car, and being a bit of a car guy, I was furious that they would try to force my body shop to put crap parts on my car. I need up in a heated battle with the adjuster until he revised the work order. Most people aren't going to look at a part list and know which parts are good or bad for their car, and Progressive counts on that so they can save money.
After hearing this story, I'm glad I switched to Liberty Mutual. Companies like this make me sick and it upsets me knowing that my dollars went to fuel this sort of behavior. Best of luck to you and your family in the future.