Consider adding an umbrella policy to your auto insurance. I added $1Million for about $100/year. Let me tell you why that is a good idea. Most auto policies have $50,000 medical coverage (injury). That will be used up by you or the other driver in about 2 days. It will be used up in hours if there are multiple occupants of either car. Hell, an ambulance ride eats about 10% of that and you're not even at the hospital yet.
So what, I pay 13 months of auto insurance every 12 months, I pay an extra $100 a year for a million dollars additional coverage. That's my recommendation.
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