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People decide how much coverage they are willing to pay for, not the carrier. So the carrier has no liability beyond the policy itself. You can sue the carrier (insurance company), but you will lose and may find yourself the target of a countersuit for frivolous claims. It would be advisable to not try--unless you have several billions of dollars lieing around with no other purpose.

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Q: Can you sue an underinsured person's insurance company for underinsuring them?
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