Leeseberg & Valentine

175 South Third Street, Penthouse One, 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

  • Oct 17 : You should receive safe and quality care in Ohio hospitals
    What is the difference between safety and quality regarding medical care in an Ohio hospital? When you enter a hospital for medical treatment, examination or surgery, you can reasonably expect to receive care in accordance with accepted safety standards and...
  • Oct 04 : Not feeling so well after surgery at an Ohio hospital?
    No one wants to have surgery. Whether you elected to undergo a particular procedure, or a doctor highly recommended it to help improve (or save) your life, the idea of having surgery causes most people stress. It's so important that...
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Best Lawyers | Best Law Firms | U.S. News & World Report | 2019 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