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I worry about the limits you guys are citing.
I have a friend who showed me his $1.2 million hospital bill and his $50k medivac helicopter ride. That didn't include a year of post-op recovery.
Could have been several people some insurance company was needing to pay for. And at the insurance limit, they send you the bill. I insure for things I can't cover out of my net-worth. My insurance limits are thus more than a little bit higher.
Now put several cars, some of them high end, into the accident scenario and I figure I need the cost of several high end cars. The Porsche I had super high deductibles on. I could afford another one. But not a Benz and a F-car.
If the auto insurance won't cover those limits, then a personal rider which rides on top of your other insurance (house, personal liability, auto) is a possibility.
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