Driving in NY we were involved in a auto accident. My wife sustained serious injuries which required almost 2 years of treatments and major back surgery. She will have permanent damage and limited range of motion. The accident is 100% the fault of the other driver. We are now finding out that this driver only carries $50,000.00 worth of coverage on his policy. To myself and my Wife this is a drop in the bucket for what she has dealt with and will continue to deal with for the rest of her life. She will more than likely not be able to return to her prior job as I do not think she will physically be able to perform it. What are our options?