What happens if only a small percentage of the total blame is assigned to the licensee when someone is injured by an intoxicated person?

★ Q: What happens if only a small percentage of the total blame is assigned to the licensee when someone is injured by an intoxicated person?
  the licensee will only have to pay a small percentage of the damages
  the licensee may have to pay for all of the damages
  the licensee's insurance will have to pay a small percentage of the damages
  the licensee's insurance premiums will increase

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the licensee may have to pay for all of the damages