What is the case law on "right to elect the most economical method of paying claims"?

insurer] the right to elect the most economical method of paying claims," the court concluded, and it declined to rewrite that "unambiguous limitation of collision coverage to provide for a risk not bargained for." (Id. at p. 1418; see, e.g., Rosen v. State Farm General Ins. Co., supra, 30 Cal.4th at p. 1078 [declining to rewrite a standard insurance policy as doing so might compel "insurers to give more than they promised and might allow insureds to get more than they paid for"].)