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Post being replied to

True. 1 MM policy requires you max your auto insurance by btd

Which varies by state. My states max out at 250/250/500. The umbrella then adds on top of that level -- if an auto accident is the trigger for the event, and pays the entire amount if it is a different type of event that's covered.

As I noted above -- if you have a net worth over 1 MM (house equity, savings, earning potential also factored in) then you really need to step up to 3 MM which is in the 1k per year range (+/- depending on what all you own, your profile, etc).

As I pointed about in my post above -- 1 MM isn't a lot anymore for damages. Many accidents with property damage are going to rapidly get over 1 MM.