If your victim gets a judgment against you, a court ordered forced sale of your home is a real possibility. You need to see an attorney as soon as possible. I am constantly surprised by the lack of sufficient insurance coverage among the general population. If you have nothing, then you can get buy with minimal auto insurance with limits of $15,000 per person $30,000 per occurrence. If you have assets, you really need to have sufficient insurance to cover those assets. If you have assets at a minimum you should have a $100,000 per person, $300,000 per occurrence policy. I have seen cases where this is insufficient. The better course would either be to increase the policy to $250,000/500,000 or better yet get an umbrella coverage up to $1,000,000. It is the rare case where a homeowners $1,000,000 umbrella coverage is insufficient. Before an accident occurs is the best time to plan your asset protection. Insurance is a critical part of any estate planning.
Relief From Stay Motions - The automatic stay is provided for in 11 U.S.C section 362. Its effect is to impose a wide-ranging prohibition on all activity outside the bankruptcy forum to collect prepetition debt from the debtor or to assert or enforce claims against the debtor’s prepetition property or estate property. The stay of a particular activity may be lifted by the court following application for relief from stay under 11 U.S.C section 362(d).
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