Why do people take kindness for a weakness

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Last week wednesday, I was in a fender bender accident. I was stopped at a red light when this lady hit me. She was very apologetic and said she'd only looked down for a second and was surprised there wasnt more damage to my vehicle since she hit me so hard (her words). The cop came out and said it was up to me rather I wanted a police report or not since I was the victim. If he did one he'd have to give her a $200.00 ticket. If not, we could exchange info and handle it amongst ourselves. If it were me, I'd want someone to give me a break so I decided to be nice and just exchange info which we did. That was favor one. Then she asks me to contact her with the info from the estimate so she could pay it instead of her insurance so her rate wouldnt go up and I said ok (favor two). I got the estimate which seemed a little high so I got a second estimate and gave her the info for both. She was concerned that it was too expensive and asked me to get a third estimate at a place she recommended. Although I had to take vacation time from work to get all of these estimates, I went ahead and got the third estimate (third favor). All of the estimates were about the same and she was willing to pay. She was going to make the payment out to the place where I was getting the work done. I told her to make it out to me but she said no because she'd have no proof I got the work done. At first, I thought she was concerned that I wouldnt get the work done and come after her for more money as if she didnt pay. This I can understand and I told her I was willing to sign a letter upon payment stating she paid and was no longer liable but no this wasnt her issue. She just wanted to make sure that the money went to fix the vehicle as if I was going to take the $400.00 and spend it on drugs or something. I told her I wanted the payment made to me because I was going to deposit the payment into my account and get the work done when it was convenient for me since I'd be without a vehicle for 2 days and I already had to take time from work to get the estimate. But by this point, I was upset and offended. I kept accomodating this woman who caused the accident and damaged my vehicle and here she was treating me like I was the one at fault. She never once said thankyou for all of the concessions I made. She acted like she was entitled. If I had gone through the insurance company immediately, I wouldve had a rental and possibly been compensated for the time from work. Anyway, the last I talked to her was Monday and I was going to take the payment but after dealing with her condescending attitude I decided against it. Yesterday, I called her insurance company and am going through them so now her insurance rate will go up but at least she'll know that the payment is definitely going towards fixing my car since she was soooo concerned about that. By the way, when I explained the situation to the representative she said it doesnt matter what I use the money for that their client is liable for the damage regardless and has to pay.