Car insurance claim

Would never ever recommend this insurance to anyone.i have never had such a bad experience with an insurance in the 12 years I've been driving. Thought having an insurance is supposed to make our life's easier but mine has been hard and stressfull. Not even 2 months with my new car I needed their help because a car of a sleeping driver made me drive out of the road on the 30th of December. My car was taken to the nearest Penelbetters. Understanding it was the holidays I was relaxed had to see how I continue my journey and back as I was going on holiday.2nd of January called to put my claim through,suddenly I'm told I need to pay R11800 access and I only knew about 7500 when I joined ( I'm told I was advised about extra excess just not the amount). Thinking that was the only suprise, the legal department is supposed to deal with the matter for me to get my access from the sleeping driver but now I'm told by budget they can't continue with the claim since the other car did not touch mine. So my thing is was I supposed to put my family and myself in danger by not trying to escape the vehicle seeing it was coming straight for me??.. Well, that was also not mentioned to me when I joined. To think that was enough, I had to push budget with the approval as they kept changing consultant responsible for my claim,all the phone calls and being asked to hold (my airtime?) Finally approved the claim but Penelbetters did not receive the approval,using my airtime back and forth with the Penelbetters and budget insurance. That was finally sorted, mind you I had to delay taking the hired car since it's only 30 days, my 30 days is over tomorrow (since 10th Jan when I had to start work). I call the Penelbetters every week to check progress and I'm told insurance has just approved 1 place to get parts so they are waiting for parts,they don't know how long to get them and obviously how long the car will take.

Mind you,my car is in KZN and I'm in Johannesburg. It's been 41 days and counting....😡 This has been a very stressful time for me.

WORSE INSURANCE TO HAVE!..