My husband was involved in a car accident where he hit another driver from behind. He was found at fault. Today we received a letter saying that our insurance might not be sufficient to handle the claim. Her lawyer is saying that a jury might give her a settlement in excess of $250,000 and my insurance is $100,000/$300,000. They are asking us to fill out a paper stating all of our assets. My question is can they take our equity in our home and our retirement annuity?