As has been stated, lawyers are lazy and will only pursue a case with someone who has insurance.
Isn't it true that your house, car, retirement, pensions are not up for grab, AKA OJ?
So I wonder if having all this extra insurance actually makes it definite that you'll be sued.
The guy that has no insurance is that safest of all, that's why they push uninsured Motorist insurance.
Now there's a concept, let me buy insurance for everyone else and myself, because others don't have insurance?

Granted if you have tons of other "assets" then that could be a concern, but not likely.