My parents and I were seriously injured in an automobile accident that was caused by a driver who failed to stop at a red light. Defendant's insurer offered to pay us per accident policy limit of $500,000. We filed a claim with our insurer, Geico, for coverage payments under the underinsured motorist portion policy. Geico denied the claim, arguing that defendant's vehicle was not underinsured. Do we have a claim against Geico in Indiana?