Agreed. It’s one thing to defend an insured from a claim. It’s another thing entirely for an insurer to refuse to protect its own customer who was paying it insurance premiums for years just in case she got in a crash with an uninsured driver. Shame, shame on them.

I have less of a problem with the comparative fault assertions, assuming there is a legitimate basis for them. And yeah, it’s weird the charity didn’t have insurance for the event, but I can think of several ways it could have been excluded from coverage, so it’s hard to say.