That's just not true in many cases; such as in hit-and-runs, or if the motorist that strikes you has no insurance. Or perhaps you're involved in a car accident

That's just not true in many cases; such as in hit-and-runs, or if the motorist that strikes you has no insurance. Or perhaps you're involved in a car accident from inside the car, such as a simple loss of control, and your parents have no insurance.