Are you sure about that? Have you checked?
I drive fairly cheap cars, too, (6 of them) but I always have full coverage with no deductible (if I’m not at fault, $100 if I am) and the collision part of the premium is very inexpensive! Also, I have uninsured and underinsured motorist protection, also very inexpensive.
Do you have a local brick & mortar office & agent or an e-gent?
There are all kinds of jokers driving around out there waiting to crash into you. You have got to be prepared or face the results! Prepare yourself. It can happen again.
Consider that you will possibly recover nothing.
I think you’ve learned a valuable lesson, possibly worth the loss you suffered and luckily you weren’t hurt. You must be more responsible and take a bigger role in things like insurance! It’s too important to just leave to others or to chance.
In fact, I suspect what’s going on here is that you are really more upset with your own negligence than that of the jerk who hit you. I think you’d feel better to face that and move on with your life.