Discovery Insure and Net Assess, worst ever

And here we go again!!!the worst insurer possible. I have yet to have a pleasant experience with Discovery. It is the worst insurer with the worst service. I submitted a claim for my vehicle's bumper, which is chrome and a genuine Toyota part. I pay 2020 premiums, but when it comes to a claim, they want to use pirate and second hand knock off parts. I had the same experience in 2018. The worst is that the assessors they use, namely Net assess, is just as ******* as they are. I got an independent quote from Wonderboom Panelbeaters, that use to be on their vendor list, but is no longer, I wonder why? and the amount of damage they said and the amount that Discovery wants to approve differs with more than R10 0000. How is that possible? I can tell you why, because they want to use pirate parts. When I phoned the Assessor by the name of Brett, he assured us that his quote was for genuine Toyota Parts, which I know is not possible, because the bumper cost 80% of the so called approved amount, and there is still panel beating that needs to be done. When I queried this with Discovery, a lady called Masechaba Mahole, I got a mail instantly to tell me I am going to be paid out their approved amount, without my approval. They want to suddenly pay me out because they know they cannot do the repairs for their approved amount. Stay away from Discovery and Net assess, because they do not care about their customers, they just want to rip you off with pirate parts. They are more interested in using your money for all their TV adds and fancy multi million rand office building.