It does seem that way from my reading: “Typically, the loser of a bar fight who later initiates a lawsuit has been beaten up pretty badly” and fights lasting “less than 60 seconds” (I’m thinking less than 10 seconds).

But the author is talking about ones that lead to litigation, presumably a minority but one which is by definition self-selecting.

I also hadn’t considered people trying to get back in after being chucked out (which does seem to happen in a surprising number of cases) as “bar fight” though I can imagine that also leads to litigation and is all the same from the insurance company’s POV.

In any case these days I tend to drink in a higher class of joint (excepting Antonio’s in Palo Alto where I still go)