Not only does it protect your assets if you mess up, it also provides you coverage if you get hit by an uninsured driver or underinsured driver - and there are lots of them out there.
Check out my website on under/uninsured motorist protections.
I see way too many people with serious injuries get far too little because there was not enough insurance coverage.
You can prevent that by buying adequate UM coverage.
The best part - it's not that expensive! It's one of the most important types of coverage you can buy.