Uninsured coverage kicks in if the offending driver has no insurance coverage, like in the article above. In that case, with clear and convincing evidence, you would make a claim on your own uninsured coverage. If you had purchased $100,000 in uninsured coverage chances are your own insurance would pay for all of your damages.
So the answer is to make sure you carry enough insurance yourself to cover your damages should the other driver that causes the crash either does not carry enough coverage or no insurance coverage at all. Furthermore, underinsured coverage is a right in Utah. Often I discover that our clients have not made a knowing waiver of that right and under Utah law if that right to underinsured coverage is not made knowingly you are entitled to full underinsured coverage. At utahbikelaw it is part of our routine investigation to make sure that you get what you are entitled to under the law in Utah when you are in a motorcycle crash.