Dissatisfaction

I joined this insurance in 2019. The lady that l was talking with gave me 2 Options: 1. My Credit be cleared at the bank 2. Market Value of the car. I chose the second option because l wanted replacement. Now my car is beyond repairs and l am told that the Cars are be sold at a higher price because they are in demand. Who' s baby is that because l wanted to have the same car. All what l can say is Auto and Genral is not good, above all that Access is R13 100 whereas l have in paper that if l am not driving the car it is going to be R11 100 and they only spoke about drivers and not anything else. Lastly, to take an insurance lasts about 20-30 minutes and investigations took almost 20 days and by that time of you waiting for an outcome, yes they contact you but what about this long wait. I believe those who knows the law better than me in this regard must assist.