QUESTION
Is it worth personally suing driver and owner personally if the only have a home as an asset?
Asked on Mar 19th, 2026 on Personal Injury - Maryland
More details to this question:
I was involved in an accident in MD and had to have rotator cuff arthroscopic surgery. Liability carrier has offered their limits of $50K. My underinsured coverage would give me another $50K max. Did an asset check and husband/wife has a home with about $150K in equity. If I file suit against them how long does it normally take and if I get a judgment against them is it hard to collect?
1 ANSWER
It’s extremely difficult to find an attorney who will pursue a case against an at‑fault party when there’s no insurance coverage. Most lawyers won’t take a contingency case unless there’s insurance money to recover, and even smaller solo firms may hesitate. Also remember that when an insurance company pays policy limits, they always require a release, and that release covers both the insurer and their insured. Before taking any further legal action, you should carefully review the release the insurance company is asking you to sign.
Answered on Mar 21st, 2026 at 9:00 AM