Poor service from budget insurance

I had problem with my car it was Marc this before lock down my cra broke down on the n2 freeway. I phoned roadside assistance for help and they sent tow truck. The next morning they told me that they will send the car to the dealer. Budget delayed to take the car to the dealer. I phoned the lady assisted me to me that there is nothing they can do because its lock down i must wait for the dealer to open,they will tow the car to the dealer when they opened. I waited almost 3 months for them to open. They took the car to kia pine. They assessed the car and told me that they can't fix the car because something hit the car underneath and the warranty wont cover the cost. I must buy the new engine since the car engine is damaged. I phoned back budget insurance for help and i was not assisted. Still the car have not been repaired budget is deducting my money every month. And yet im not getting help from. Iam paying for the car every month that is lying in the yard. Today they logged a claim for me they told me that it was declined because 60 days has passed. What i want to know whose fault that 60 has passed because it was level 5 lock down that incident happened and they made to run from pillar to post without assistance. I want budget to help me with repairs only not with new car since the dealership told me to asked them to write off the vehicle and give the new car.