> John probably (at least where I live) does not have insurance, maybe I could sue him, but he has no assets to speak of https://en.wikipedia.org/wiki/Judgment

> John probably (at least where I live) does not have insurance, maybe I could sue him, but he has no assets to speak of https://en.wikipedia.org/wiki/Judgment_proof https://en.wikipedia.org/wiki/Judgment_proof