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Exactly. Step 1 is they check your net worth. Then they by btd
sue. If you have a net worth over 250k you absolutely need an umbrella policy. As I described in my top post -- one event can ruin your entire life if you don't have one. $250 per year covers that use case.
If you have over 1 MM of assets combined with ability to pay -- you need 3 MM to 5 MM policy. Don't forget ability to pay. If you are working and making 100k per year and are young-ish (below 40) they will factor that in and will sue for more than you have, get a judgment and then put a lien on your future earnings. Ultimately driving you into a settlement above what your assets are but below what a 20-30 year payment plan would have been.
I know this first hand from people that have been sued for what their kids have done -- car accidents of adult aged kids.