I got a car accident in April, and surely I was wrong as I saw what happened and I was honest enough to express that I’ve wronged the other guy buy bumping his car while switching lanes, and only now after about 4 months later the insurance concludes that

I got a car accident in April, and surely I was wrong as I saw what happened and I was honest enough to express that I’ve wronged the other guy buy bumping his car while switching lanes, and only now after about 4 months later the insurance concludes that they won’t settle the guy that I hit, even surely it was my fault, but I’m paying insurance, and I’m paying it for such instances and situations, and now the poor guy is left without a car, and no source of income as he is a Uber driver, I’m so disappointed and dissatisfied about this, I won’t advise anyone to take these insurances, this things a just a ****, had I saved all that money my self in some sort of investment account, all that money I was paying as a premium, surely I would have managed to pay the guy so that he fixes his car and life moves on. I’m so dissatisfied and disappointed.