I lodged a claim on the 5th July 2025, they were not updating me with anything about the process, I had to waste money buying airtimes and Ubers not knowing what’s going on with my car

I lodged a claim on the 5th July 2025, they were not updating me with anything about the process, I had to waste money buying airtimes and Ubers not knowing what’s going on with my car. Today (24th July 2025) they just decided to call me and say my claim has been declined because the money for damages is below access so I have to fix the car by myself. They held my car for almost a month without telling me I’m gonna fix my car on my own. So where’s is the money that I’ve been paying since last year???? I’m disappointed with Budget insurance, they can’t wait for this long after i wasted a lot of money for transport knowing that they will fix my car😭😭😭😭