i have heard both sides of this debate. I do not carry my own insurance. My belief is that the lawyer will look for the deepest pockets, the hospital, doctor,ect. I have been told by someone in the legal profession that the lawyer will find out who has liability insurance and single them out. And, they can't get blood out of a turnip, i owe on everything that i have, so i would gladly fork over my house payment, car payment, credit card payment, ect.