Originally Posted by
jpezaris
Really? I think I read the same response as you did, and the conclusion I draw is that United and their insurance company decided that United's insurance policy covers the OP's situation.
United didn't go out-of-pocket, their insurance company did.
Insurance companies cover liability. If there's no (potential) liability to cover, then...
Additionally, chances are that, given UA's size, the insurance agent was just a claims administrator, and UA pays the indemnity out of pocket.