Until very recently, Michigan had unlimited Medical liability on car insurance.
That’s outlandish, but even in that scenario I can’t see how an STD would ever amount to a $5.2 million claim.
After Michigan changed from no fault to regular insurance, my auto carrier suggested we get a 1M umbrella because people were going to select cheapest insurance and they could sue you, take your house, any money you have should you have an accident with one of the low insurance people and they get injured, die, etc. We took his advice.