Insurance issues alone probably require that they press charges to the full extent the law allows.

Having to press charges for insurance reasons is the same mentality that causes corporations to sue fans of their products for copyright infringements when they start a fanboy web site. It is the mentality of having to protect one's rights -- no matter how negligible -- at the expense of all common sense and decency. "Who care's if society is irreparably harmed? I won't have to search for new insurance."