Unfair and teriibe service form MiWay

My daughter was in an accident 2 months ago, and she was lucky to walk away from it with her life. It took 2 months before they got back to us to say that this is all her fault, that she did this on purpose and that they are rejecting the claim based on this. They have this ad running on radio and TV where they say that they care, but they don't. All they care about is taking your money every month, but when you need to claim, then they are quickly to decline it. Why do we pay for insurance every month when they find any excuse not to pay back all the money you have paid them over the years. I always believed that one pays insurance to be able to claim when it really matters. We are now told that we owe them for towing services and that I can take my piece of s**** and do whatever I want with it. I am beyond frustrated that the big companies can do and say what they want without any consequences and they bully their customers into paying without any compensation when things go wrong. The little man means nothing to them at the end of the day, but without the middle man they won't have a business in the first place.