Why do you believe doing things the right way makes any difference to a lawyer looking to sue someone with an insurance policy? And why do you believe that an insurance company would even fight it to the end if their client was right?
The sad fact of life in business is, the insurance company is usually willing to settle a case, even when not at fault, because it's cheaper than fighting it through the courts. Insurance companies push for mediation first, but that's just one of those, how much are we going to end up paying you scenarios.
Lawyers know this and that's why they sue everyone, even when they technically shouldn't have a case.
Because IF they did it the Right way, this "Accidental Discharge" would NOT Have happened.
-- OR ---
IF this "A.D." HAD happened, and the GUN WAS pointed in a safe direction, and no innocent by-standers would have been involved. (NRA Rile No 1).
I honestly dont care what lawyers do or dont do in this case. I'm discussing Prevention, not the legal aftermath.