I carry an additional umbrella insurance policy to cover potential liabilities above an beyond standard liability coverage.

To G-Dog, a little forward thinking might do you and your family (future family?) well. After the accident you are never planning on having, and after your funeral that you are never planning on attending, and after the plaintiff's lawyers get finished bankrupting your estate, I would hope your (future) wife and (future) children will have something left to survive on while they transition to a new life without you.

Just something to think about. I am not attacking you personally.