Green line of death and repair

My iPhone X screen shows a vertical green line on the right side of the screen. I googled and it's called the green line of death.

I went to Apple store on last Saturday and the technician said it was a result of me dropping my phone from the dent on the bottom of the phone. I didn't recall dropping my phone for the past 8 months. I did drop it within 2 weeks when I first purchased the iPhone X in Nov last year but I kid you not, I was walking to cross the road and was hit by the coming vehicle. I had police report etc documentation.

I imagine the green line of death appearing now was 8 months too late. Anyway, Apple quoted me $400 for the repair or to live with the line. If I had gone with the former, I could get my phone repaired and collected within 2 hours. I did not buy Apple care so I guess I have to live with the line.

I bought so many of Apple products such as phones, Apple TV, watch etc. As a loyal supporter, I really begin to wonder if Apple is just fleecing us by making money off repairs, Apple care etc. What is customer care...??? $400... for a small repair... Even an specialist doctor doesn't charge that much for seeing him or her. Really upset!