Can my parent's be sued if I don't have enough coverage after an accident?

If you're on your own policy without your parents, it's unlikely they would be sued if your coverage is exhausted after a car accident. Because you're considered an adult, regardless where you live, you would be sued if you were found liable - not them. However, if you're on the same policy as your parents (which is common for individuals who live together), you might have a different scenario. Your best bet would be to contact a lawyer for the specifics for maintain above state minimum requirements for liability. I usually recommend limits at 100/300/100 to ensure this doesn't happen.