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

  • Feb 14 : What is in Mount Carmel's "Plan of Correction"?
    We recently obtained a copy of Mount Carmel's "Plan of Correction," which details, among other things, the following information: How Dr. Husel, the nurses, and pharmacists were able to access such inappropriate doses of pain medication for patients; Mount Carmel's...
  • Feb 07 : Labor and delivery is not supposed to lead to injury
    Pregnancy and childbirth can be often one of the most joyful and rewarding times in a woman's life. However, if a doctor, nurse or other staff member is negligent during labor or delivery, what is supposed to be an exciting...
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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