re: SWAT Team blames 1 year old for being in room, getting disfigured by flashbang

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But in reality you do know the answers.

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But in reality, you don't know the answers.

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In a case like this you aren't just hearing about it when the adjuster forwards it to you. I understand it's "how it works" but it is still gross.

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You may not have had time to interview all of your clients in depth. Moreover, you have not had an opportunity to talk to the plaintiffs at all. Sure, you might be able to do some investigation, but you have not had an opportunity to thoroughly investigate your side, let alone investigate the other side at all.