Yes, you can sue someone. However, unlike you, they might not have any assets. You may not be able to collect from them if they do not have assets.You should have the total of all your assets (including the house) or $100,000, whichever is less, in property damage liability coverage.If the total of all your assets (including the house) is more than $300,000, then you should have $300,000 in bodily injury liability insurance AND have umbrella insurance with limits equal to the total of all your assets (including the house).If the total of all your assets (including the house) is $300,000 or less, then you should have bodily injury liablity insurance coverage equal to the total of all your assets (including the house).

In many cases an individual can be sued following an auto accident. This where your insurance plays a vital role for you. However, once the limits of your liability coverage are exhausted, you become personally liable for the remaining damages. If the remaining amount is minimal, then you would simply be able to pay them. On the other hand, an auto accident with an injury sustained by one or more occupants of the vehiicle in the US during 2007 resulted in over $375,000 in average insurance settlements. If you only have $100,000 in coverage, you would need to find a way to pay the remaining $275,000. The most valuable asset in most people's lives is their home, and so when you receive a bill for $275,000, there is not much choice.Like noted before, the person without insurance likely does not have any assets worth suing over when they have an accident with you…so the insurance company takes on the liability and will try to collect from that individual themselves saving you precious time and money.

As much as you can comfortably afford. If you were to have an accident with a bus and injured dozens of people they could take everything you own plus most of what you will earn the rest of your life.

Technically, that is true, but it sounds like they are trying to scare you into buying a more expensive policy. If they are trying to pressure you into spending more, I would look elsewhere.

Yes they can sue you when you dont have enough money to pay the bills caused by the accident,.. Largest Auto Insurance Information Source(s): http://www.AutoCarsInsurance.com

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You are better of comparing different insurance companies to get the best rate. You can check out http://compare-car-insurance-rates.mobi if you want Source(s): http://compare-car-insurance-rates.mobi

Yes they can sue you when you dont have enough money to pay the accident you made. Source(s): http://www.AutoCarsInsurance.com