Not happy with budget insurance.

we are not happy with budget insurance, our car was scratched in the front bumper by another car and we reported the damage to budget insurance and while waiting for a response we went and got a quotation which came up to R3000, budget came back to us telling us that the damage would cost R9000 and we needed to pay an access of R7000 which when we informed them of our quotation they said even if that was the quoted amount they wouldn’t cover as it was less than the access amount, they don’t cover any damage less than the access amount and when we called the scratches and dents department which is also under budget insurance we were told that they don’t cover if it was scratched by another car as it is deemed as an “accident “ and they don’t cover accidents, so where we suppose to scratch the car on purpose now? We are really unhappy with the service we got.