@BizarreBazaar, I'd like to point out a few things to help you make an informed decision. You may still decide to go this route and that's cool, but I think you don't have enough information.
1. Insurance companies do not want to pay. Life insurance companies have two years to make the payout, and during those two years they may choose to investigate. They'll look at the accident report, they may even use their own fraud investigators and/or hire independent investigators to determine whether it was an accident or suicide. It costs them less to investigate than to pay out. This doesn't mean they will investigate, nor does it mean they will come to the conclusion it was a suicide, but the possibility exists.
2. The news stories you shared were all immediate. Public deaths are more commonly reported than those at home or in hotels. But the news does not always report accurately, and the police do not always release all of the information. If it were later determined the deaths were suicides, the media may not have followed up, as the story was no longer fresh, and perhaps not even considered newsworthy (e.g., exciting).
3. You've made assumptions that the people who died had life insurance. There is no way to know this. If they had auto insurance, there may or may not have been coverage, as liability coverage is mandatory but self-coverage is not. But having worked in auto insurance claims, I can guarantee the insurance company would have investigated prior to paying out, because insurance companies do not like to pay out. They would go over the accident reports and hire independent accident investigators if they don't employ their own. This can drag on for a very long time.