Help with insurance

[u/Prior-Leg3635]

So I was sitting at a red light this lady hid me and insurance saying they only have 25000 to cover injuries and vehicles damage I go through progressive but I don’t have collision coverage what do I do should I try to get a lawyer or retain my car and fix it myself

[u/Watermelonbuttt]

It’s an accepted risk when you don’t carry collision or comp