While you may benefit from a consultation with an attorney, this may be a matter of having a good insurance agent to fully disclose your circumstances to and to purchase coverage to protect you in case of any claim.
An attorney is a professional trained to help you with such issues. Consult with an attorney in your location that might offer a no cost initial consultation. Be very careful when the same insurance company is involved. Make sure to have all injuries evaluated and treated if injured.
Mr. Hoffman's answer is right on the point. Often there will be a group of lead attorneys. I'm certainly sorry for your situation and I urge you to take action promptly. Water contamination and environmental hazards are of great concern. In the rural areas, farm activity is a big issue.
You may be referencing uninsured motorist PROPERTY damage where you have no collision coverage. Make a claim as if you have this coverage, if hit by uninsured driver, even if no collision, you most likely can recover. This coverage is important for those that don't want collision coverage. You should realize how important it is to have adequate coverage. Good luck.