It's nothing "personal". It's just all about the money.
Insurance company make (more) money by NOT paying claims.
Zurich has probably done the maths. To pay the claims is $100 mil. To go to court is between $5 mil and $10 mil. If Zurich lose, there's always an appeal and then drag this for another, say, 10 or so years. During that time Zurich will "reach out" and offer an out-of-court settlement for $25 mil. Still a win-win for Zurich.