Change the Laws for Car Insurance Liability in NJ!

Recently my car was hit at 3am in the morning by a drunk driver while it was parked on the street. I called my insurance to file a claim and they said regardless of it being parked and its not my fault I would have to pay a $500 deductiable and a chance that my insurance would be raised. NJ has a NO FAULT LAW in place so even if your not driving and your car is parked it does not matter, they than advise me to go through the other person insurance so I don't have to put money out of pocket. I thought wow this is great, until I contacted her insurance to find out that she has the least amount insurance NJ requires of a $5000 property liability policy. So what does this all mean my car is damaged and although I pay High Preimums in Insurance to cover all costs if the accident was my fault, they are not paying for my car cause the damage is more than $5000. This is unfair to all of us that NJ lets this happen. We are all victims in this matter, if someone hits your brand new car, bottom line is money is coming ouy of your pocket on top of the money you pay for insurance. Maryland has already changed their laws let's get NJ to do the same before you become a victim!