Daildirect and claims

I had an accident 21 September 2021. I did everything as required from Daildirect. The problem started with-1. The repairer is in the West Rand and I'm in Pretoria North. 2. I need to pay excess and monthly payments with a three consecutive years, 20% a year tariff increase. I'm innocent in the accident with Cctv footage to prove. 3.I need to take my vehicle from Pretoria to Edenvale on my expense, leave it there. Pay my excess and if I'm not happy after the repair I can take it further with repairer. Did I mention it's a metallic colour? 4. The claim department will take legal action to recover my excess, but not guaranteed. Never heard of anybody getting excess back. 5. Went to Ombudsman for short term insurance. They are great with policies and procedures, but useless to help you to finish the claim and what next? Only helped with cash in liason deal. Thanks.