时间限制

If you own a house, the insurance company will sue you for sure because they know you have money. If you don't have money, it's not worth to sue you. Maybe just ruin your credit.
他们必须在事故发生后一定期限内sue你，比如2，3年，要查一下具体几年，否则就自动放弃了告你的权利。你在这几年内不让别人知道你有钱就好了，更不要买房子。
他们也许会找讨债公司，不理之，烦的话你们可以换电话换地址。