<prompt> Human: I have an 8 month old rave4 with 8000 miles on it. The car that rear ended it pushed it into the wall of the highway and into the car in front of it. Our insurance assured us the guilty partys insurance would pay for it seeing as the accident was not our fault. However, my husband just got off the phone with state Farm and they said the mans coverage will only pay for up to 50,000 in damage and seeing as ours is about 25,000, theres no money and they cannot do anything. No one has even looked at our car yet as it is still with the towing company three hours away from where we live.  <response>: Thats what uninsured motorist insurance is for. In this case, the motorist was underinsured.You can get a lawyer, or file a UM claim with your insurance. Or probably both. 