OK! More Insurance Crap!! HELP?

ok, like in my previous postings, i was in a car accident, not my fault, she hit me from the rear & admitted to not paying attention! its on the police report too!! She (other driver) doesnt have insurance, was driving on a suspended license, & expired tags & was not arrested but only given tickets! I, on the other hand, have full coverage insurance, but found out that I do not have uninsured motorist property damage but thats ok because I have collision coverage, BUT, I do have uninsured motorist bodily injuries! They (my ins. co.) said at first, my injuries were covered & I would be reembersed for my medical bills & wages lost at work! NOW, they call me & say that my uninsured bodily injuries only covers the uninsured driver & not my injuries!!! What the hell? They are my company & she hit me & they are going to pay for her injuries & not MINE? Is this right? What should I do? Meanwhile, my car is totaled & I owe more than what the car is worth by $2,000, so I'm going to be stuck paying for that out of pocket as well as my medical bills & my days missed at work (dr ordered me to stay off work for a week) I'm basiclly screwed??? Please help with any legal advice you may have!!! I'm stuck in this horrible situation that isnt at all my fault!!! I'm still in pain now (I pulled a muscle in my back) but I have been released to go back to work but on light duty & I"m on pain meds & muscle relaxers... this is the last thing I needed to hear!!!!