Let's try this again.
You have Liability insurance only. You didn't care enough about your vehicle to pay for any damages to your vehicle whether you, or others caused damage. Now, not only do you want to cry 'FOUL!" now, but explicitly because a non-insured driver is Black.
I'm not the crazy one here. Nor am I the racist one here.
The Police did not cite the other driver for Fault. Nor did the other party get cited for non-insurance. You didn't even prove, by video, it's their fault.
Sure, be upset. At yourself. Because you are stupid.
Not because other people are black.