An actual claim:

Older gentleman sells his business and moves to the country.  Late one evening he slowly pulls his car into a two lane country road, doesn’t see an oncoming car and hits the other vehicle.   It is a horrific claim where a 21 year old male ends up in a vegetative state for the rest of his life.  

A good law firm is hired to secure funds for their disabled client, the 21 year old.  The gentleman had personal auto limits of $300,000, with no personal umbrella.  It turns out he had sold his company for about $6 million.   The claim settles for the $300K auto policy plus about $3.2 million in personal funds from the gentleman.

The old adage, "You don't have to be a millionaire, to be sued like one." is really true.  But if you are a millionaire you REALLY should have a personal umbrella!