Very very bad service Auto And General

Worst experience ever. I am with auto and General vehicle insurance for about 5 years now paying plus minus 3500 per month and never claimed from them before I do understand my vehicle is a high risk. I regestered a incident about a month or more ago and the assessor asked for fotos witch I did take and sended to him. In meantime I went to get 3 quotes from well known panel beaters in my area and all came with a quote of about 27 k. When the assessor eventually came back to us he revered me to their preferred panel beater and we took vehicle in immediately. On arrival they looked at my vehicle and they had a file with stated that the assessor passed that there is about 10 k damaged on my bakkie, but they added we must book vehicle in it's just a process and that they will strip damaged areas and re qwote assurance do not remember the term they used but they said it happens often and insurance will pay them. I did not book my vehicle in because they could not give me proof in writing that I will not pay them more than my access of about 7500 rands. I do understand that insurers make use of certain companies because they give them work in quantity but I just feel quantity does not mean quality and I want to use my panel beaters. I then again engaged the person who assisted me and he said they will settle my claim to my account but it will only be the 10 k he evaluated once again like I said via pictures and 3 different company's got almost the same qwote and once again I state their panel beaters would have re qwoted them as well. What do they or the assessor thing I can fix with the 2500 rand I will get from the 10 k after my excess is deducted I can't even replace a set of mud flaps. I even told him to come and inspect the vehicle himself or I can take it to him but no he said. Please assist me what is the following steps I could take it's more than 2 weeks now and I never heard from them again but in 2 days time they will deduct their 3500 rands as it's included in my vehicle premium. I am also very angry at Toyota Sasolburg to have ever recommended auto and General to me. Just calculate the amount I paid over the 4 to 5 year term about 200 000.00 rands but I am struggling myself into stress mode just to get hold or correspondence from the person whom is supposed to assist me.