Nationwide car insurance....?

So yea it was a snowy day in mississippi..... something that don't usually happen... I slided on ice and hit the guard rail... it was only 1 or maybe 2 bump... the car wasn't messed up that bad.... I mean there was a dent from the inital bump but what do you expect? The officer said when I asked them could they fix it he said probably... its not really bad at all.... and that the same thing I said... so I find out days later after they inspected it, they was gonna jump it and not fix it... so my question is why do we pay all these hundreds of dollars every month that when it comes to the company to their job, they don't do it? I think I was paying 240 every month for my 98 ford explorer... also do they suppose to pay me for the value of my car since they not fixing it? The reality of it that if I known this would have happen could I just save that money I was paying them these years and put the money in my pocket so when I crash I could take that money and buy me my own car instead of being carless when I was giving the money to the insurance company? I mean wuts the point of even paying them honestly?