Leeseberg & Valentine

Penthouse One 175 South Third Street Columbus, OH 43215

A Reputation Built By Success
Call For A Free Consultation
Toll Free: 800-976-2226 | Local: 614-221-2223

Translation services available.

Practice Areas

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 13 : The connection between brain injury and heart attack
    Did you go to the emergency room or your family doctor with symptoms you think may be a heart attack, but your doctor sent you home with another diagnosis or no diagnosis? Hopefully that was the end of it, but...
  • Jun 29 : Many medication errors can be prevented
    Between the opioid epidemic and the high volume of medications that many older patients take these days, the risk of a medication error continues to be a primary concern for many people. Whether the errors occur while a patient is in the...
Read More Blog Posts

Our Awards

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