Insurance = scam. We pay into a system that rarely, if ever, helps us out.
If his insurance didn't cover yours... you'd probably be SOL!
Insurance is helpful and reassuring because everything gets taken care of. I had a brick pillar fall on my car and I was able to handle it rationally and calmly because insurance will do everything for me. The repair, tow truck, rental, etc. are all taken care of.
Of course, insurance will destroy the other guy...but for me, I'm happy with it.