What's the most dangerous thing you do?

What's the most dangerous thing you do every day? The answer is probably "start your car." The risks of simply operating (or parking -- see this story) a vehicle are enormous. You, your car, and your financial future are all at stake so you need as much auto liability and uninsured medical protection as you can reasonably afford. Imagine if the gas leak mentioned in the story below had turned into a fire or explosion. The owner of the truck might have been liable for millions in damage and loss of life. And did you know you can also be liable for damage to public property, like signs, barriers, bridges, etc.?

"Emergency workers started evacuating about 100 people at an apartment complex and day care center after a pickup truck ruptured a two-inch natural gas line in central Oak Ridge on Friday morning.
"The apparently unoccupied pickup truck, which might have popped out of gear, rolled down a small hill at Broadway Apartments on East Madison Road and into a gas meter, which was attached to the gas line, Oak Ridge Fire Chief Darryl Kerley said."  -- Oak Ridge Today

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Imagine the sheer risk possibilities of driving through Knoxville, TN on I-40: You spill your coffee and swerve from the center lane into a Lexus which is totaled ($55,000) and forces a contractor's pickup full of tools and material to run off the road and overturn ($45,000). Swerving to avoid the pickup is an 18-wheeler with a load of electronic equipment. It too overturns ($475,000). Only the driver of the Lexus is hurt and the injuries seem minor, but after a visit to a well-advertised law firm the medical bills start stacking up ($720,000). All of this is "your fault." Cost of that cup of coffee: $1,295,000. Cost to you if you have "good" $100,000/$300,000/$100,000 auto liability: $1,095,000. Cost to you if you have $500,000 auto liability plus a $1,000,000 umbrella policy: $0. Cost difference per year: maybe $300-$400.