prizrak
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Here your insurance will cut you a check but their insurance will pay them, if they don't have insurance or not enough they get sued. Caveats to that below as is answer to your last paragraph.Alright, maybe insurance works different in the US then. In Germany it's usually the insurance of the "offender" that has to pay, even if the "victim" also has insurance. I'm not even sure if my car insurance would give me any money if somebody else destroyed my car but didn't have insurance. I guess in that case it's just bad luck for me. Which is why basically everybody has to have liability insurance as a minimum*, in case they cause damage to the property of other people because it's THEIR fault and then THEIR insurance policy goes up, not the one of the victim.
But if your insurance pays for your stuff no matter who caused the damage, great. In that case I see your point.
We don't have that here, insurance is tied to some sort of an object, car, house, boat, etc..*A general liability insurance for when you just randomly (and on accident) break stuff (of other people), and another liability insurance for when you own a car and do damage to other people's property with your car. Apart from that you can decide wether you want any actual insurance for YOUR car in case YOU do damage to it yourself.
Your insurance doesn't automatically go up due to damage, some companies have accident forgiveness in general, others look at fault it varies.I guess I'm pretty reasonably insured but if a mate came to visit and broke my TV it would be HIS insurance that covers the TV and not mine. Same goes for cars: if somebody does damage to me with their car it's THEIR insurance that has to pay me, not my own. That's why everybody has to have insurance. Not (only) for their own good but for the good of the people they might cause damage to. I mean it would be pretty stupid if MY insurance rating would get worse because somebody else damaged my stuff. It's certainly not MY fault.
It's similar here, I only have liability on my cars, meaning if I hit something insurance will cover up to X amount, I can get collision insurance meaning they pay if I'm in an accident and comprehensive, meaning they pay no matter what. I could get that for any kind of car old or new but if I am leasing or financing (as in loan) a car I have to have it as part of the lease/loan agreement.@somebody destroying my car: tough luck, my insurance wouldn't pay a dime. There is an option available to also insure your car against this kind of damage, but my insurance company only offers it for new cars and it also costs a lot more. So if somebody destroys your car you better hope they find him and you better hope he or she is insured (which, as I said, pretty much everybody around here is by default anyway).
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prizrak, what are you smoking? Rights don't exist unless you pay the fee and beg the Man for a permission slip.
Sorry I forgot I was in a "free" country again