Mr. Lurker, I'm not certain where you reside in the Chicago area; for all I know it's Hinsdale or Westmont.
But all I know is that "my town of forty-three years (closed on my house July 31, 1979)" has a "forever Black eye" for being the site of the first Chicago Sub revenue passenger fatality since Downers Grove
during 1947. While the present incident cannot be attributed to railroad negligence - and the earlier noted only partly - it nevertheless happened - and in my town!!
Neighbors who know I was once in the railroad industry have asked me "what happened" to which I have explained what the NTSB ("gee, aren't they just planes?") is and how they release first a preliminary and final report.
So you do have a point in that it is much too early to tell if any insurance premium adjustment to the Village's liability coverage will impact my Real Estate taxes, but I fail to see how the Village can avoid any liability from this matter. Had you occasion to observe yourself the condition of the Prospect Ave X-ing on the eve of the incident, you would hold same.