I learned early on to be mindful of who I invite to my home, offer a ride in my car. Some people who might consider you a friend could (and sometimes does) sue you bc they know you're insured.

Imagine your giving a "friend" a ride home. You get into an accident. No one is hurt.

But you have (great) insurance. So your "friend" sues you bc maybe they suspect you have a large policy and so he will likely get a settlement. At your expense even if you are insured.

This actually happened to a family member.