Insufficient materials game draw

Many times I had faced this issue.. 

Whenever there is Insufficient material (only king one side) game will be draw. This is not applicable to other party when he at the verge of winning. It only happens to me whenever I am at winning end and other player has only king. 

I don’t know how this is calculated..

Anybody have any idea what are the criteria for "Insufficient draw" (only king one side)

It happens most usually when the player with all the material runs out of time.

Let me give an absurd example:

White cannot win because he ran out of time.

Black cannot win because he doesn't have mating material.

The game is drawn.

Please note, there are other criteria for "Insufficient Material" but they are rather more obvious. For example:

"insufficient" is the wrong word in this drawn situation. 32 same-color bishops will result in a lot of draws.