My boyfriend called me dumb but won’t apologise?

So my boyfriend texted me earlier saying he had a bad day because his car got hit. I texted him back saying are you gonna get the money from them and was it a big mark , to which he replied ‘something like that’, then he said he should thank god for the good and bad things. Then I said ‘oooo listen to you’ . Then later I got a text message from him telling me that I’m dumb and have no common sense. I had no clue what I did wrong. Then he sent me a voice message saying he nearly died and he wanted me to give a crap. But he didn’t properly answer my questions and then when he spoke about god l thought the topic had changed. Now it’s upset me that he called me that but he won’t apologise. What do you think of this situation?
My boyfriend called me dumb but won’t apologise?
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