I am an insurance agent dealing primarily with personal auto and home insurance. As such, a major part of my work deals with advising people regarding personal auto and liability insurance and personal umbrella insurance. I am having difficulty finding specific answers to my questions about about whether, according to CA state law, there are any limits to the amount a person can be sued for and exactly which assets of theirs are exposed and which are not. For example, what percentage of a person's wages can be garnished to settle a lawsuit? Is there a limit to the number of years that their wages can be garnished to settle a suit? Are their certain retirement accounts that are not liable to settle a lawsuit? What about a person on disibility? Can part of their disibility income be garnished to settle a suit?
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2 Answer from Attorneys
I think you are walking dangerously close to practicing law without a license. Don't be surprised when you get sued for giving the wrong advice. Stick to selling insurance and refer the clients to licensed lawyers specializing in estate planning.
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