Why doesn't car insurance cover repairs?

It doesn't make sense that car insurance would send you a new vehicle if you got in a car accident, but it wont help with repair costs like a blown head gasket or engine problems. It just seems to me like if you're paying that much money every month for car insurance, it should help out with repair costs.... show more It doesn't make sense that car insurance would send you a new vehicle if you got in a car accident, but it wont help with repair costs like a blown head gasket or engine problems. It just seems to me like if you're paying that much money every month for car insurance, it should help out with repair costs. Am I missing something here?
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