I am honesty not sure I work from as a programmer so I have no experience in this situation, my gut reaction is to let my insurance deal with it I don't think its valid reason to put myself in danger. if you disagree, please share why, I may learn from it.
Umm, because it's infinitely more convenient to shout "HEY! GET AWAY FROM THERE!" than it is to deal with insurance claims, waiting for a settlement check, finding a new car, being without a car for some period of time, and having your insurance rates go up.