No one wants to think about what would happen if one of their tow trucks was in an accident, but humor us for a second. Imagine one of your tow trucks was in a wreck and your driver was found to be at fault. You might be facing having to cover $4 million in damages. Yikes. Fortunately, you have auto liability insurance…but the limit on that policy is $1 million. Uh oh. Where’s the other $3 million going to come from? That’s where umbrella insurance comes into play.