Why does my insurance have to pay my claim/damages if I was not at fault?

Why does my insurance have to pay my claim/damages if I was not at fault?

Arizona law dictates that all other forms of insurance available must be exhausted before any claims may be considered by the APCIGF.  (See A.R.S. 20-673)

Why does my insurance have to pay my claim/damages if I was not at fault?