No justice for the innocent party

Based on my previous post and your response below - I would like to ask this: "Your investigation confirms that the available evidence supported our version of events, that extensive recovery efforts were undertaken, and that legal proceedings were instituted because there was a reasonable prospect of success. Your letter further confirms that the recovery process was not abandoned because liability could not be established, but rather because the anticipated costs of continuing litigation outweighed the amount that could potentially be recovered. In other words, the matter was not discontinued because your insured was at fault. It was discontinued because continuing the recovery process was no longer considered commercially viable. I respectfully submit that it is unfair for an innocent policyholder to bear the financial consequences of a commercial decision taken by their insurer. While I appreciate that insurers must make commercial decisions regarding litigation and recovery processes, I do not believe an innocent client should remain financially prejudiced solely because further recovery action is no longer economically attractive to the insurer. Considering this, I believe you should reconsider the outcome and refund the excess as a demonstration of fair treatment and good faith towards a client whose innocence has effectively been accepted throughout the process."