Leeseberg & Valentine

Penthouse One 175 South Third Street Columbus, OH 43215

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Toll Free: 800-976-2226 | Local: 614-221-2223

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Can I Get Sued for More Than My Insurance Coverage?

Q: If I carry the state minimum auto insurance but someone sues me in court for more, what happens if I don't have it? If I own only the clothes on my back, rent, don't own my car, have no assents, and live off of $1,000 Social Security Disability a month, am I known as "judgment-proof?" What if someone sues me for a car accident but I have no real assets to take?

A: A person can certainly be sued for more than the limits of their insurance policies and regardless of the amount of the law suit, your insurance company must defend you in the action. At present, it appears you are judgment proof which means that if the plaintiff wins their case against you for an amount higher than the insurance will cover, then they may have little hope of actually collecting on the judgment. If a verdict is obtained against you that exceeds your insurance and collectible assets, the attorney for the person suing you may file a notice of judgment that would allow the judgment to be collected in the future if you ever become solvent and acquire significant assets.

- ATTORNEY GERRY LEESEBERG

Our Recent Blog Posts

  • Jul 27 : Malfunctioning Ride at the Ohio State Fair Leads to Multiple Injuries and Death
    On Wednesday July 26, the first night of the 2017 Ohio State Fair, tragedy struck. While the "Fire Ball" carnival ride was operating on the evening of the 26th, the sudden and loud sound of cracking metal rang through...
  • Jul 26 : A New Approach to Medical Malpractice
    When someone is severely or fatally harmed due to medical errors the first concern should always be about the patient and their families. Unfortunately, that is rarely the case as many hospitals immediately engage in the "deny and defend" model....
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Best Lawyers | Best Law Firms | U.S. News & World Report | 2017 Columbus Lawyer Finder Member | Columbus Bar Association | Columbus Lawyer Finder.com AVVO Rating 10.0 | Superb | Top Attorney Personal Injury AVVO Rating 10.0 | Superb | Top Attorney Medical Malpractice Super lawyers 2005-2017