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QUESTION: My car insurance said that my policy cover may not be enough to cover the damages. What should I do? A month ago I hit a pedestrian, I did not know I hit her until heard a noise on the second door on my right. I am fully covered but my insurance said that my insurance policy might not be enough since its only 50,000/100,000. What should I do? Is there a source I can go to? ANSWER: No matter how severe the injury, top settlement value is necessarily.