Auto Insurance Claims: insurance, car insurance policy, sell insurance

Question
I was told that if I cause an accident and the bills come to more than my car insurance policy that I can be forced to sell my home with the proceeds paying my debt and still have a mortgage that I have to pay on the home . Is this true.

Answer
If you end up with a judgment against you that exceeds your insurance, than most of your assets can be taken, including any equity that you have in your home.  A creditor can certainly put a lien against it and any moneys remaining after the mortgage has been paid will go straight to the creditor (or person who got a judgment against you.  The mortgage company always gets first rights to their money in the event of a sale.  Liens can follow you for the rest of your life.  

Though I don't sell insurance, I certainly carry far more than the minimum on myself as I've seen many people's lives ruined because they are under insured.