Absa idirect insurance, i am highly sad and disappointed.

16 April 2019, the most saddest day of my life, my first experience with my car problem. I was driving back from my sister's house and it was at night. on my way a rock bumped and burst my car samp, unfortunately i didn't notice what was happening behind my car but apparently it was leaking oil, i only noticed when I was about to make a car and it just stopped, shocked and in trauma i became vulnerable, i was with my kid so really we had no idea of what was going on. fast forward to the time i laid a claim, it took me more than 24hours to make a call, thank God my car was still under motor plan because i wouldn't have been able to get roadside assistance from my insurer ABSA IDIRECT for they had a high call rate. An assessor came and did what he knows what, weeks after inwas told my car's being written off, devastated i became, but i had to accept the situation, investing my trust in my insurer i patiently waited for help for weeks !! mind you i've been with the insurance over a decade without a claim ! My insurer finally calls tells me the claim was under investigation, up to that far it was found that the car had traveled 4kms after it burst the samp, but as i've mentioned before it was at night and i couldn't notice as i was driving, the radio was playing and lastly i couldn't wait to get home as it's not safe driving at night, which is what i explained to my insurer and as it understandable, i believe he understood. 2 days after my claim was denied. how was my first question, they answered "the car traveled for 8km".I had never been so vulnerable, so exploited and helpless. and now i'm going to be stuck with a car that is not working but still need to be paid.