Sorry, no offense, but you appear to know little or nothing about negligence law or insurance and I spent 35 years at it.
I don't have the time or the inclination to give you a proper education but you can probably google the topics and learn a few things.
Judges (and juries) don't find people negligent just to activate liability insurance. In fact, any mention of insurance is inadmissible in court and could likely result in a mistrial.

