Even the most safety-minded among us could someday face a personal injury or liability lawsuit. That’s a scary prospect since payments for hospital bills, rehabilitation, lost wages, pain and suffering, and litigation could potentially wipe out your entire net worth and even your future earnings. Fortunately, ERIE offers affordable Personal Catastrophe Liability (PCL) policies. Also known as an umbrella policy, a PCL policy adds an extra $1 million to $5 million to both your auto and your homeowners liability limits. A $1 million PCL policy typically offers the average person adequate protection for about $150 to $200 more per year.