Regarding the story of the citizen-police car accident in the Depot (“Massillon woman stuck with bills after being hit by police car”) where the municipality is not liable for her injuries: Why do I have to buy an umbrella policy on top of my car insurance for over a million dollars, when the police department or officers do not have such policies?

Regarding the story of the citizen-police car accident in the Depot (“Massillon woman stuck with bills after being hit by police car”) where the municipality is not liable for her injuries: Why do I have to buy an umbrella policy on top of my car insurance for over a million dollars, when the police department or officers do not have such policies?