For your car yea. It happened to me. They did a coverage check on her and she ended up not having it and my insurance company sent me a check for the repair and the deductible was waived. That’s why you pay extra for uninsured motorist.
A friend of mine got screwed too. Paid for paint on the side vents and window louvers. Needless to say they only painted the window louvers and sent the side vents unpainted.