I'm not sure why not. Seems like exactly the sort of unlikely event that I'd want my insurance to cover. Isn't the whole point of insurance that they make me

I'm not sure why not. Seems like exactly the sort of unlikely event that I'd want my insurance to cover. Isn't the whole point of insurance that they make me whole, and use their ample legal department to pursue the responsible parties to recover those costs (if such parties exist, in this case the city)?