You or a family member has an accident. This is a traumatic event. Your normal day and your normal life are disrupted in the blink of an eye. First thoughts are, am I OK? Is the other person OK? How’s my car? Thus begins a flood of questions and uncertainty. Even if it is not your fault you need time and energy to get everything back to normal. That process may take a month or longer but you will get your life back. The problem arises when you are named in a lawsuit alleging you are to blame. Now nothing feels normal and a little panic sets in as you wonder if you have enough coverage. Unfortunately, how much coverage you need is not an easy question to answer in today’s litigious society. The best way to prevent such anxiety and the potential weight of such questions is to purchase an Umbrella Policy. For as little as $155 you could add a one million dollar layer of protection, over and above your auto and home policies. It really is a small price to pay for a restful night’s sleep.