the WC company was underinsured, which doesn't absolve them of any responsibility to have paid your father's claim. It's ironic that situation occurred since the insurance industry spreads messages about not going bare and they also sale more coverage than is necessary.
The policy on by brother's truck had $50K to pay for comprehensive coverage on his vehicle. He had already paid out the note on the vehicle and the truck had depreciated to less than $10K blue book value. The insurer made a killing off of my brother because he doesn't bother reading legal documents. 
I had to drop GEICO on my renter's policy because each year they made an adjustment for inflation and I was over-insured at the time. The alternative was that I would need to do a complete proper inventory every year which was ridiculous. I switched to another company where I didn't have to go through the headache because they wanted to make a few extra dollars in premium each year.
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