In my experience, insurance companies are weasels and will do what they can to avoid or delay paying claims. Another sad example. Tell her to stick to her guns, they'll soon cave in.
10 miles each way is a perfect commuting distance.
Insurance companies trying not to be hit by fraudulent claims, which a fair percentage are. you want cheaper insurance then you have to put up with a little inconvenience. Most delayed claims are the fault of the customer not doing their part correctly, at least that is my experience.
Funny how there are different ways to look at something.