I was in a car accident early Jan. and I ended up getting a careless driving ticket. The next day, the cops came to my house and changed the ticket from a regular careless driving to a careless driving resulting in serious bodily injury claiming the other person had to go into emergency surgery due to a ruptured eyeball. I know the other person was not wearing a seat belt and now my insurance is saying the other person's claim may exceed my coverage of 50,000. What do I do now?
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