Auto & General ( scratch and Dent )

I have had a scratch and dent cover with the auto and general..it’s been a while . I found this very disappointing when I had put through claim and now having to fight because the say claim not payable car needs new Parts The car was accessed by a registered Panel beater and says car can be repaired easily .. they are now saying I should claim through my insurance !!! It’s absolute bull dust as they looking for a way not to pay !!! My excess is huge on my insurance is high .. hence why I have scratch and Dent .. The damage is repairable and does not need to be a huge claim .. I mean wats the point of this !! Very misleading .. the assessment was done by a panel beater .. saying he will be able to repair ..