re: Are umbrella insurance policies even necessary for most people?

quote:

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My assets aren't near $1MM. What they gonna do? Seize my debt?

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You aren't required to have $1M in assets in order to be sued for $1M.

That's not how plaintiffs determine their damages.

An attorney could give you better advice for what is worth their time.
If you own real estate in Georgia, I don't see why a plaintiff attorney would not go for a judgment.