Old Claim Filed After Death of Named Policy Holder

Named policy holder died. Spouse filed a claim for an accident to vehicle that occurred almost a year before policy holder died. Spouse was at fault in the one vehicle accident.
Spouse also filed a claim for replacement of windshield on same vehicle.
Vehicle and insurance still in deceased's name.
Both incidents occurred before death of insured. Claims were filed after death of insured.
Insurer admits wife is covered under policy, but does not want to cover claims since wife does not have authority to sign deceased husband's name to an insurance check for repairs.
Please advise. This
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