Well, the good news is you're below state minimums. My 99 truck got totaled way back when and after fighting with the at fault drivers insurance company for 3 months, they finally admitted fault and agreed to pay policy limits, which they informed me wasn't near enough to cover the cost of the truck and advised me to contact my insurance carrier if I had under-insured coverage.
They could have saved my 3 months if they would have admitted the coverage wasn't enough up front.
They could have saved my 3 months if they would have admitted the coverage wasn't enough up front.