When my financial advisor found out I was a scout leader and taking other people's kids in my car and out camping, he recommended I carry umbrella liability insurance. I have done so for 30 years now. It is very reasonable in cost. You can be perfectly innocent and not at fault, but if you get sued or accused, it can cost you everything to defend yourself. Such is today's litigious society that feels if my kid gets hurt, SOMEONE has to pay, no matter the reason.