Let me ask, because if an insurer is going to look at a lawsuit, they're going to insist on having facts. They're going to look at their risk and insist on taking over the claim, taking over the defence and litigating it accordingly, but you chose not to have that done, to have an independent third party take over the claim and look at it and assess it. You chose to just run off and settle without being aware of the facts.
Why would you say that was a good decision?