Alright i need some free help or at least some cheap help, if anyone knows a lawyer that could give me some advice.

This is why... 2 weeks ago i was backed into on a main street and my hood, bumper, grill, frontmounting braket, and some other things got ****ed up. We both have the same ins. co. state _____ This co. will not pay for the bumper because i had already had a crack in it, no matter ho much more damage the accident caused.

Why should we be required to carry ins. if they wont pay, after dealing with this i have come to find that ins. is the purest form of capitalism there is. I need to see if i can go after the co. or at least go after the person who hit me for the remaining cost of the damage.