The other side of the coin is that they will surely go after the holder of either the most assets or the largest insurance policy. After all, it's really only about the money and nothing else.
One reason that I only carry the driver's license that is required in Florida, and not a CDL, is that in the event that I ever have to be in front of a jury is that I want them to think of me as one of themselves, not a specialized or professional driver which they might be inclined to hold to a stricter standard.
Just want to be a regular guy just driving my camper.... just like they do