Do Someone Suggest if I Need an Umbrella Policy

I had an accident last year in which I have to give a huge amount of money to the party whose car was damaged in the accident (who bump into my car)

So my insurance advisor sugggested me of Umbrella Policy when I searched for it I found

Umbrella Insurance – Do I need a policy? | Life Plus Money


So actually do I need it????
Is that can be so important as mentioned in the article???

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