I didn't choose Allstate

I was recently in an auto accident. It wasn't my fault, I was hit by an elderly woman. It has been a few weeks and I haven't had much luck dealing with my own auto insurance or hers. It's like for years you pay all of this money in and when you actually need the services you pay for, you don't get all of this great customer service , you just get a big f****in headache from all of this paper work and phone tag. I feel the same way about my medical insurance, I think I paid in something insane like $27,000.00 over the last 12 years only to recieve statements in the mail about non covered benefits. I know that I have maybe used about $8,000.00 for real medical issues , office visits, lab work and xrays, give or a take 2 MRI's at about $1,800.00 a pop. Will I ever see the real potential in my coverage?? Probly not. That's what you get when you are a hard working schmuck, $2.00 out, $ .02 back. Obviously, I'm not in good hands, maybe I should have chosen Allstate.