Whats the point of having car insurance?

<p>on Thursday i was involved in an accident,my car was parked outside as i went inside to get the keys for the gate when i find that someone has hit my car.the driver acknowledged that he was.i phoned auto and general to arrange for towing which was quick. after that we reported the accident to the police.Friday i received an sms to say that my claim has been registred with the claim number.today i called to follow up aroung 1PM where i spoke to Layla.she advised me that i havent registred the claim amd that we should do it telephonically,as i didnt have enough airtime i asked her to call me back,she refused so i had no choice but to continue with registering the claim which i thought was done already as i received confirmation on Friday.as we were registering the claim she told me that i must pay R9400 for excess.i asked why as my excess is R3600 ,she told me that i am not the regular driver,but i wasnt driving .there was no one in the car.and i cant pay that much for a fender infact why dont they assess the car first and then tell me how much is the excess? i am furious cause i pay insurance every month,infact im paying in advance but now when i need help i am not getting it.</p>