How safe am I with Discover Insure!!!???

On the 19th of Jan 2024 before 8pm I (a young female) met an accident in a remote area. The vehicle behind me hit me. I called 911 atleast 2 minutes after the accident. They answered asked me if I needed medical assistance I said no however I am alone and my vehicle was hit from behind. They put me on hold to give directions. I held on for about 2 to 4 minutes before cutting the call and called back. The same thing happen. Remember I have impact alert and tracker on my vehicle. After 20 minutes or more impact alert called and I proceeded to explain yet again what had happened at this point the driver of the other vehicle was ready to leave so that he won't be liable to pay the excess. I was told to get the man's vehicle number plate and vehicle disc by discovery before doing this I notified the consultant that I was going to get the information from the guy before he left and that only one towing company was on the scene. I also had to explain the same thing I did to 911 about me being alone, scared and traumatized. The man of the other vehicle went away and I was towed to the yard of the towing company. We were asked to move the vehicle because there are only two lanes on that road. On Saturday I called into discovery and was told to call back on Monday. On Saturday night i saw an email from claims and I proceeded to send through the police report and explain that my car was at the towing company. My financial advisor also contacted the company to inform them that I had been in an accident and sent all the documentation to them. On Thursday I received an email asking for the towing companies details yet again. Then I was told that it was an unauthorized tow and that I will be liable for payment. After which they continued to leave the vehicle at the tow yard moving it only the next Thursday. It's Wednesday February 7th today and the assessment is not done. I was told that I told the consultant I did not need assistance. So I requested the call records last Friday and still have not received them. As a single female anything could have happened to me on that roadside. What have I been paying discovery for? Please be careful ladies.