Your insurance company, first of all, is there to ensure that your property is secured, if need be, and transported to the local body shop. So, when can your insurer be a foe?
Uninsured and under-insured motorist (UM/UIM) coverage is there to protect you from the negligence of the world's drivers. Plain and simple, it is there to protect you in cases where the at-fault driver has either no insurance or has insufficient coverage to pay for your bodily injuries and associated damages.
Even as more and more states pass laws against the use of cellular phones while driving, it certainly seems like there is a story on the news every day about a traffic accident that was caused by distracted driving.