And insurance is all about the bottom line.
And this is exactly it.
Guilt, innocence, and even responsibility is of no concern to an insurance company, IF, they determine establishing that (in court) will cost them more than settling out of court and making the matter go away, they will always go for the cheapest way out, FOR THEM.
It is the common perception that innocent people (or companies) won't settle out of court and want to go to court to prove their innocence, so many people assume that settlement is a de facto admission of guilt. But, it isn't. Yes, actually guilty entities often do settle out of court, but settling out of court is not an admission of guilt or responsibility.
Another common and waaay over used perception is that "innocent people have nothing to hide".
I disagree, I believe we all have 'something to hide" and its our RIGHT to do so, its called PRIVACY!
I see they are suing the father of the Highland park killer, apparently the claim is that he knew (or should have known?) his son was too disturbed to be trusted with firearms, but signed off on his application for the FOID his state requires, anyway.... I can't see where he broke any law or is responsible for anything other than execrable judgement, but obviously someone thinks differently.
They'd probably have sued the mother of the Sand Hook killer, too, if he hadn't
killed her first, (and, technically,
stolen her rifle).
What I always thought was the weakest part of the lawsuit against Remington (owner of Bushmaster at the time) was the claim that Bushmaster's advertising led the shooter to get that gun, and do what he did, never once admitting that it was his Mother who bought and legally owned the gun(s) and he stole them in order to commit murder with them.
I guess my "old fashioned" upbringing results in my simply not being able to see the "logic" behind suing people/companies for the acts of individuals who happen to use their products for unlawful purposes.
Might as well sue the farmer who grows food, the trucker to takes it to market, and the stores that sell it, because after all, every single criminal in the world eats food.....