New York state. I was involved in a 3 car accident that I was deemed at fault. The driver in the 2nd car is claiming injury. I had $25k per person liability limit at the time of loss. I was told by my insurance adjuster that she also has underinsured motorist coverage in her policy of $25k, which would cover additional expenses if they exceed $25k. I was told on this forum by one attorney that this does not apply if her treatment/loss from work exceeds my policy limits. If this does apply would this have to be exhausted before they could sue me?
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