I tried to get some definitive comments about over-weight scenarios from an insurance agent I know, but the reply was generalized to this. The agent said they see cases where one party is essentially out for money, and if said party can find a way to claim negligence or carelessness, its not uncommon to see a 5 or 6 figure settlement. Some parties will try to ascertain your wealth thru public records, and/or what you're covered for, as part of deciding how much to try and extort from you.
--SiletzSpey