Unfortunately, we live in a society where people are quick to file a Law Suit. In 2009 there were verdicts totaling in the hundreds of thousands of dollars relating to civil lawsuits. If you accidentally injure someone or damage his or her property, you could be the one being sued. Even though your underlying policies may provide substantial liability limits, it is not uncommon today for juries to award damages that exceed those limits.
Coverage amounts are written in increments of $1 million and extend over the personal liability in your automobile and home policies.