<prompt> Human: Hello Redditors,Long-time lurker, first time poster. In desperate need of advice. As the title of the post indicates, I have had a 2011 VW Jetta on which I was carrying state minimum TX liability insurance due to recent loss of a well paying job and subsequent financial hardship. I was recently hit by a low life wno insurance but I was declared partially at fault. Knowing the consequences for this,I attempted to add on compcollisionun-insured motorist coverage minutes after accident. Claims adjuster has been investigating and has determined that, due to the dispatch of 911 callpolice report that of course the coverage was added after the accident. The other party is suing my insurance company for property damagepersonal injury and according to claims adjuster, my company will certainly pay out. I realize the stupidity of under-insuring a car I was still paying on...but since the adjuster contacted me to inform me of their determination of my lack of coverage at time of accident, I havent contacted them back. Now claim is on hold and nothing has been paid yet. Is there anything I can do at this point? I still owe 14,000 on this car which is still sitting all wrecked in a tow yard. Any advice would be appreciated...  <response>: Most financial companies require you to carry comprehensive insurance for this very reason. 