MORE INFORMATION: I was in a motor vehicle accident in MA, likely at fault, and will be sued. ATTORNEY ANSWER: Your IRA will be safe as long as you are insured.  The key point to consider is whether you have adequate coverage.  If you have a minimum policy, carrying limits of $20,000 per person and $40,000 per accident, for instance, and you hurt someone in a serious accident, your personal assets could be at risk if the value of the injured party’s bodily injury claim is greater than the coverage available.  Speak to your insurance agent, or me, about having sufficient coverage to protect yourself and your family.