Sure. And they can get their own lawyer, and you have to pay your own lawyer, and the case will likely settle for something, and at best you'll get only the fra

Sure. And they can get their own lawyer, and you have to pay your own lawyer, and the case will likely settle for something, and at best you'll get only the fraction of their assets minus lawyer fees that isn't subject to seizure - probably a tiny fraction of what you'd get minus the uncertainty, drama, and delays of just getting things like high under-insured motorist coverage, or long term disability insurance. I don't think once someone declares bankruptcy after you sue them into the ground that you can wring out much more.