Having posted to this thread previously, I want to clarify something. I'm not leaving my hitch in to "cause" anyone intentional or unintentional damage (I'm pretty sure schmism's response was "tongue in cheek").
I have had two vehicles involved in three accidents (none with my truck, yet). Two of those accidents were with drivers who could not produce proof of insurance. I assume it was because they had none. I don't fight it or worry about it, that's what my insurance company does for me. However, at a current - for me - 66% of drivers not having insurance, I will protect myself and keep my receiver bar in.
It's not about causing someone else harm at all. It's about protection for a $30,000+ vehicle from some loser who buys a $4500, 150,000 mile Buick at the local salvage/rebuild shop and doesn't give a hoot about buying insurance.
Our monster pickups do lots more damage with the front bumper when we do something bone headed than we'll ever do with the receiver bar, if you know what I mean!
Litigation, we can start a whole new thread on that one. Just wait until you have an accident while pulling a heavily loaded trailer. You'd better hope your combined weight doesn't subject you to commercial restrictions and regulations. In that vein, worrying about a suit regarding a receiver bar is inconsequential.