My husband and I are having a disagreement LOL.
He says that if someone sues you for personal injury, they can take all your personal money (savings etc) if your insurance coverage is not enough
I thought they had to take what the insurance company would give them. Period.
Who is right?

That's a good question and one I can't find a clear answer on when I google personal injury cases.

I think it is different in each state . Saw this about Florida.
https://goldmandaszkal.com/can...

Agree, different statutes in different states. In California, where I practiced in a legal-adjacent field, there were some damage caps in medical malpractice, certain vehicular cases and probably some others, but here's what a legal site says generally:

"If you're unable to negotiate a suitable settlement outside of court, filing a lawsuit may be your best option. If you go to court, the money award you receive isn't limited by the insurance policy limits. California's personal injury damages laws set how much you can receive from the at-fault party or parties."

Naturally, it depends on what the judge or jury awards you.

And on what you can actually collect on. A court can't necessarily guarantee you'll get the money.

Ah ok.

On restitution typically 80% do not pay, and the ones that do pay the amount is minuscule compared to what is awarded.

That is why people get insurance, in hopes that it will cover potential liabilities that would otherwise wipe out their assets. If judgment awards were limited to the confines of an insurance policy, nobody would get insurance.

If you have no assets or income, you are "judgment proof." If you have assets, covering them with the appropriate type of insurance is usually worthwhile because a judgment will attach to real property. In AL, if a seller has a judgment, it must be paid from the proceeds of the sale or inheritance of real property. I would think that is the case in all states. Some judgments can be subject to wage garnishment, and some judgments can be subject to forced sale of real property.