If you auto liability insurance is equal to your net worth would you ever need to pay out of pocket if sued?

Lets say you were negligent in a collision where a young mother or father of two or three kids died in the accident. You probably would be sued and a judgment rendered against you well in excess of your limits. Yes you would have to pay out of your pocket and if necessary, they could take almost everything you own. If severely injured, medical alone could eat up $100,000.00 and you would still be sucking eggs.Talk to your insurance agent about an umbrella policy.r