A real-life scenario involving automobile liability. Incident: The insured was driving on a two-lane road when he struck a pedestrian walking home from work. The pedestrian suffered serious head trauma. The insured was not speeding, there was no alcohol involved and cell phone records show that no phone was in use at the time of this accident. Outcome: paid the $2,000,000 Personal Umbrella policy limit after the insured's underlying auto limit of $500,000 was exhausted. A re