Right or not right

我的家庭在美国属于偏低收入，唯一的 财产是一套 20多万的房子，还有8万未付清。我买的车保险的 Bodily Injury Liability是$50000/$100000。我听说在发生车祸的时候，如果是我造成的后果，而要 赔的钱大与保险可付的数目的话，我必须卖掉我的房产去抵。Not really

但是如果是比 较小的自己住的房子可以幸免，据 说是法律保护自己住的不大的房子和 旧车不用来抵债。当然如真是这样的话，用什么来抵债是另一回事了。

我只想 搞清到底有没有这样的法律？是联邦的还是各州自定 ？
Most This kinds of law are all state law, so different state may different. But most state have home stead law, that means you do not have to sell your home to pay other debts. But a lien can be add to your house(home). when you sell your home or when you die. They can still sell your house to pay the debt (that time the house is not your home any more. And pay interest for the debt (most court add 10% per year.) The best way is you have no equity,(you borrower as much money againest the house) or buy enough insurance to protect it.

usually if you have only one not expensive car, you do not have to sell it to pay debt.

这种问题是 不好问保险代理或美国人，因为我不相信他们会告诉我这底牌。因为我相信对政府来讲，穷人把房子卖了抵债，没房住了，也倒过来加重政府的负担。

Mot insurance agents and who have the knowledge will tell you truth.