Fred,
Even if your family members and friends don't want to sue you, I don't
believe that $100K sublimit is enough to cover hospital cost for
serious accidents.

Here is an article on the subject written by Rick Durden, a practicing
aviation attorney and pilot

The Pilot's Lounge #85: Some Blunt Talk About Aviation Insurance (or,
What You Don't Know About Sublimits Can Hurt You)


http://www.avweb.com/news/columns/189307-1.html