Hit and Run... are you kidding me?

I had my first wreck on July 26, 2008. Yes it was partly my fault and partly the other girls fault. Well I went to court (the Assistant DA was very good looking I might add) and had the case dropped, thank God. In the process of having this wreck and going to court, I am changing insurance. The new insurance guy thinks I am crazy. So skip a month and Saturday night I was at a friends house and went to leave and to my surprise, my car had been hit. Not just hit like dang there is a scratch, but hit like the mirror was knocked off and in between the drivers and passenger door is dented and that whole side of my car is ugly now. So not only is my rear bumper scratched, now the whole drivers side of my car is messed up. I let the new insurance guy know about the hit and run, he called me and said 'girl what in the world is going on.' I told him I was going to start biking everywhere I go now. AND note to self: hit and runs are considered your fault... how in the world does that make any sense?!?!?!?