The trucker had uninsured motorist coverage, but since the other party was insured, the trucker's insurance coverage declined payment. The trucker also had collision insurance, but since the incident was evaluated as being 100% the other party's fault, the collsion insurance declined payment, saying it was the other party's responsibility.
That would be just as realistic as the assumption you're making.
Wrong Markomalley .The collision portion of the policy covers damages to the policyholders car regardless of who was at fault. But collision covers the car not medical damages to the driver. The truck driver attemped to get the suicide drivers insurance company pay for his loss wages and medical and pain and suffering. They defended that the company is not liable when the loss occured due to a deliberate act. Again read your policy. The contract is there to be read.