My 17 year old son was involved in an accident with a motorcyclist . He was driving his truck that is registered in my name . It has been determined by my insurance company that my son is 100 percent at fault . He wasn't drinking or driving reckless . My bodily injury limits are 50 , 000 and my insurance company is willing to pay out the policy limits . We don't have much in assets besides our retirement savings plans and make a decent living . Our house is 100 , 000 upside down and so are all of cars . My same sex spouse is the insurance policy holder , but not the registered owner of the truck , or my sons legal parent . Can he be sued as well ? If sued , should I immediately file for bankruptcy or wait until there is a judgement ?