My daughter had hit a pedestrian in a motorized wheelchair the pedestrian's medical bills are greater than the coverage for bodily injury. What will happen?

This kind of unfortunate situation makes a strong case for high auto insurance liability limits and an umbrella insurance policy.

[Let Insure.com help you find affordable car insurance now.]

Once her policy limits are exhausted she can be personally used for the rest of the pedestrian's medical bills, lost wages and pain and suffering.

Knowing how fast these kinds of damages can add up, it's easy to exceed policy limits of, say, $100,000. Umbrella insurance provides an extra layer of liability insurance, usually starting at $1 million in coverage.