What Do We Have Car Insurance For?

Someone struck my vehicle the other morning, knocking off my driver’s side mirror. The local police made a record of the accident and told me to call my insurance company and have them get a copy of the police report. I did this, only to be told, “We don’t handle this. You have to get in touch with the person who struck your car and get his insurance information.” I couldn’t believe it. Remind me again why we have car insurance.