You have to have something to be legally liable for, a jury can’t just find against all instruction and logical thought that despite needing to prove duty, breach of duty, injury, and damages, someone is still liable because they can pay. the jury can’t just say “well they must be insured, so it’s fine, we’ll get someone to pay?”
Man, nobody has made this much of a mockery of the legal process since I led mock trial for a bunch of high school juniors a few years back.