That depends on your level of insurance. Since insurance is "mandatory" some people only purchase the minimum requirement. Their coverage would only cover damage that they may cause to others. In that case, their insurance has no responsibility.
You have to choose the types of coverage you need for whatever you may be driving. As my vehicles age, I begin to drop various coverages, and assume that risk on my own. Comprehensive which would cover the storm damage and collision which would cover repairs to my car if it is wrecked, is the first to go.
Insurance is like gambling, you have to ask yourself if you can afford to take the risk yourself or if you want to pay someone else to take that risk for you.

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