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The only way local insurance companies pay for repairs if you are not at fault is if you have uninsured motorist coverage and pay your deductible. Since I don't have that kind of coverage (I strictly depend on others having insurance to cover my repairs if they are at fault), I could pay out of my pocket now and "hope for the best" later, but given the fact that I've been unemployed for 6 months, let's just say I rather spend $30K on utilities/mortgages/kids' schools/etc. than repairing my second car.
I currently pay $175 a year for insurance in case I damage someone else, but if I wanted to have my car fully insured against uninsured motorist, the bill comes up to nearly $2.5K a year. Given that I lost my job only a few months after I got the car, I had to cut back expenses to bare minimum, this is one of those results...
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Now: 2013 Cayenne GTS
Ex: 1999 C2, 2004 Cayenne Turbo, 2002 C4S, 1999 BMW M Z3 Coupe, 2013 Audi RS5
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