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3. What are your options if you are hit by a driver who is underinsured and the damage to your vehicle exceeds the other drivers

3. What are your options if you are hit by a driver who is underinsured and the damage to your vehicle exceeds the other drivers insurance limits? Unfortunately, you have no options. You may sue the other driver in court for damages. You may make a claim against your own PAP coverage but this may increase your premium. Either you may sue the other driver in court for damages or you may make a claim against your own PAP coverage but this may increase your premium.

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