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

  • Oct 09 : Understanding common medical mistakes could protect you from harm
    When you seek medical treatment in Ohio, you no doubt hope and expect that doctors will be able to correctly diagnose your condition and recommend and implement appropriate treatment to obtain as full a recovery as possible. Sometimes, medication is...
  • Oct 03 : LV Obtains Largest Personal Injury Verdict in Ohio History
    On September 28, 2018, the attorneys at Leeseberg & Valentine obtained a $44.5 million verdict on behalf of Bradley Metts and his family. Bradley was injured after Athens Medical Lab failed to timely return stat labs causing a rare infection...
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Best Lawyers | Best Law Firms | U.S. News & World Report | 2018 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