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The insurance co will cover only the policy limit/amount, however, you can sue the other driver for the rest. However, the insurance co will ask you to sign a release of all claims, which you should not do if you're still owed money. Just because you don't sign a release, it doesn't mean that the insurance co won't settle with you.

In your case you need to contact an attorney and do so ASAP.

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Q: What do you do if you are in an accident and not your fought and the other person only has min ins and it don't even pay your medical bills who do you turn to?
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