you couldnt be more wrong
when something like this happens, ur insurance company is responsible for going after his and collecting money for you. What usually happens is that their insurance company usually doesnt pay it in full. They usually pay out 60% or so, which leaves ur insurance company to dish out the rest. Since u dont have collision, ur insurance company aint paying out shit. Welcom to NY, its called no fault insurance. get collision or prepare to pay for the damages.