Your read the state statute requiring insurance not the actural insurance contract which states what they agree to cover.
Read your policy. Most policies are the same.
Freepers, the truck driver usually can get an insurance policy that covers his medical injuries while driving his truck. The facts as reported indicated this may have been a company vehicle and then there was no coverage available to the truck driver. Then the workman compensation comes into play. If he was on company business his injuries and loss wages are covered under workmans compensation. This applies if was legally employed. The fact that he was fired the next day for failure to report to work may because he was 1) had a record of failing to come to work, 2) making up stories about coming to work, 3) illegal employee, 4) a realy crappy company he is working for.
If the driver had health insurance that would cover his injuries. He may have had these covered and tried to double dip which is allowed in some states.
The remarkable thing is that Progressive insurance managed to convince the judge and jury that this was deliberate act versus an accidental act which would have been covered, There must have been substantial evidence since the presumption is that this would have been accidental.
Under insured or uninsured coverage does not provide coverage when liablity is denied. That is because there was insurance just the liabity of the insurance company was denied by the jury.