<prompt> Human: Specifically, my wife and I currently do not have rental coverage in the event of accident. For a number of years we had three vehicles, so we did not see the need but now we are down to two vehicles and we have different schedules. Should be add the rental coverage? Its 30 per vehicle every six months. One of wife complaints, she drives a SUV but the insurance companies always want put you in a small car. Is there anyway around that? Is it possible to get a SUV in the event she has accident? Should we ask for it in writing before we upgrade?Should we get Personal Umbrella coverage? We have our personal residence plus two rental properties. We have less than 10K in savings. Should we really worry about getting sued if one of us get in an accident and its our fault?  <response>: Should we really worry about getting sued if one of us get in an accident and its our fault?Yes. They can force mortgages on the properties, or make you even sell them. They can take any savings. They can take future incomes through garnishment.Get an Umbrella and make sure you get UninsuredUnderinsured coverage on it as well. 