I had an auto accident about 3 years ago. Long story, but it was a 5 car pile up, weather related, black ice, and I was car number 4.
Driver of car number 1 sued everyone for 525,000.
At that time I had a 500,000 policy. I was the only one that had an insurance company lawyer.
The case took about 2 and a half years to settle. My insurance company paid $1500.
I hate to think what the lawyer bill would have been, and I'm glad I had adequate coverage.
Shortly after the wreck, I bought the umbrella.
First time in my 54 years I've ever been sued.
For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.