What is the name of your state?Indiana. My wife was broad sided by an uninsured motorist and my wife's van flipped over onto it's side. The uninsured girl was passing a school bus on the right at an intersection with a flashing light in a no passing zone.We have uninsured motorist coverage on our policy. Now our insurance company is fighting us on the claim,we have paid for this coverage and when we need it they get nasty and threaten to fault my wife if we don't take there offer.Can they do this? are we paying for coverage to make the insurance company richer and us poorer?