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What if the other driver's insurance isn't enough to cover the extensive damage caused to your vehicle? Do you forgo dealing with the other driver's insurance company and turn in a claim to your own insurer? No; of course not. You must turn in a claim to the insurer of the other driver first. If the other driver is found negligent it is the duty of their insurer to pay the damages up to the liability limit. If there are any outstanding costs after this limit is reached then and only then is it acceptable to file and Underinsured Motorist claim with your own insurance company.