Matter regarding Affinity Insurance

My car was on the accident on the 14/02/2021 the Affinity Insurance they don't want to pay for the car they said the driver exceeded speed limit which is not true, so they sent the rejection letter iwrote the email to the ombudsman stating the following factors below but until today my matter is not resolved, I'm still paying for the car. I would like to state that we do not accept the rejection letter based on the following reasons

1. This has just confirmed our worst fears about car insurances like yours who will do anything in their power not to pay a claim.

2. Your conclusion clearly indicates that there was no proper investigation done regarding why the car will literally go from 24km/h to 110km/h

3. The area where the accident took place is a severe steep hill containing 2 curves, after completing the first curve going upthe hill, it is virtually impossible to approach the second curve with a 110km/h especially since it even has a pot hole just after you curve that if you are on that speed it will be impossible to avoid.

4. The coordinates of the tracker clearly indicates from when the car changed direction going down a very dangerous hill , that literally has at least a plus minus 1m to 1.5m between the actual rural tar road and the urge of the hill.

5. When the driver tried his best to avoid the wrong oncoming traffic, there was literally nowhere to run because the space at the edge of the mountain was too small to control the car especially in the dark , there is no clear vision.

6. After the accident happened the driver experienced almost fatal head trauma that would make it impossible for one to try to slow down so that they don't reach the bottom of the mountain.

7. How was the car supposed to go at 60km/h going straight to the bottom of the mountain after the accident.

8. You are poorly basing your rejection to the exceeding speed limit that happened after the point of impact and not before which again indicates that you were attempting a very unreasonable excuse without properly checking the facts.

9. We call for the proper investigation to be conducted regarding your rejection. The promises made by your insurance in nothing compared to the brutality you are showing us right now. See the attached statement from the driver, the tracker that was overlooked and the photos of the area where the accident happened. We are expecting a quick response so that we can put this behind us because you are not at all considering how this ordeal has impacted our family now we have to deal with this and the debt of the insured car with the bank.