Bad service, ****************

Last year December 2021 my car was bumped at the back and rear bumper was affected, I then informed dial direct as my insurance company and feedback came from Leane claims processing consultant saying that the quotation was done,please note this quotation was done based on online photos, sent photos via whatsup and dial direct assessor concluded quotation based on photos and it came to a total amount of R4700 and she told me she could no longer assist me with processing the claim since it is less than my basic current access which is R6500 she then told me to proceed do everything on my own.I did that continued with the same panel beater she had made the quotation with and when I went to that specific panel beater as per our last discussion ,they then started the entire process from scratch assessing my car physically the assessor then forwarded a quotation which was about R11500 for bumper replacement and labour,quotation made on new bumper since the panel beater was unable to get an alternative rear bumper I then forwarded it back to dial direct and then the same lady whose dealing with my case said she will forward new quotation to the dial direct assessor and get back to me today and when I called for feedback this morning she said the assessor said no they cannot assist me with fixing my car since my car is out of warranty and the last quotation made was based on getting a new original rear bumper so they can only fix my car if the quotation is made with an alternative rear bumper. Please help I feel like this company is taking advantage of me and they are robbing me first if all I have never seen that in my policy term.Secondly she won't even send me to the branch that can assist with a rear bumper that is not original she is saying I must do everything on my own since claims for damages according to her and dial direct assessor is R4700.