Society and Insurance

So I have been wanting to write about this for a week or so. Where do I begin ,it all started when I was on my way to work when a person of ethnicity was not paying attention and manage to lane change when I was right next to them resulting in damage to my vehicle (not horrible but enough to ruin the nice paint job that I once had). Now apparently if you are involved in an accidental and follow all of the proper channels , when your insurance calls you to inquire about the accident just don't respond to their calls or any other form of communication and nothing will happen to you. I has become extremely aggravating when you get the run around by both insurance companies on what their going to do to remedy the problem.NOTHING!!!