is there no low to force the motorist to pay when he hits another car and the other driver has no fault? Insurance will pay the car maintenance cost but in case he(owner of damaged car) needs to hire a car during maintenance why not the other driver(who hitted the car) should pay the hire cost for that period? Now people do not bother to hit another car because they know he has insurence and they will pay but if he himself requires to pay for hire in period when the damage car is in the garage then they will feel some heat.