Yes the traffic insurance cover the damage of not guilty part but with a limit as i remember... I mean you are not guilty but you car has moderate damage.
Then the guilty driver's AUTOMOBILE INSURANCe have to cover your damage if he has not AUTO INSURANCE then he must pay from pocket.. Thats the system. I asked my accountant now the Traffic INS. is about 100Euro to 200Euro p.a depend on car. But auto insurance(which is not a must) depends on car start with 700-800Euro pa vs 20000-30000 Euro pa