Yeah, that insurance lady was a really BAD witness. She was there to say what was "usual" but had only settled 15 claims in total, ever.
She thought 3 DC's would have been too many, and somehow alarming, when instead it is far fewer than the norm. When my parents died, we were advised to get a dozen or more, each time, by funeral home advisors who do this every day. She was really testifying to her own ignorance, imo.
Is she ignorant, or biased? Either way, as a result, if I'm a juror I have to consider all her testimony of what is "usual" as garbage. And it makes me look side-eyed at the prosecutor who is trying to feed me testimony from someone like that, to prove something-or-other.