I was in an auto accident while driving my father's car and the other party is suing me and my father separately to recover a sum in excess of $50000 each. I talked to my insurance company and the agent told me that the insurance will only cover a total of $25000 for both of us. I am really worried that the insurance will not cover the settled amount and we will have to pay out of pocket. This is not an amount we can afford. Is it likely, in a case such as this, that we have to pay out of out own pocket?
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