Discovery Insure Brand Killer

On 3rd Feb my brand new 2015 Car was involved in an accident. Car was towed to approved Panel Beater. Upon accessment by Disovery i was informed that car will be repaired. Few days later Panel Beater called to inform me that car cannot be repaired due to engine damage. So what kind of assesment was done initially? Anyway Discovery gave me the option to have car replaced or settled. At this stage they didnt even know that my policy had a shortfall cover that covers everyting. The total finance covered the PDC, Maintenance plan & tinted windows. They only wanted to replace me with a standard car without the extras and not even a colour i wanted. This i refused. Weeks later they realised i had shortfall cover but now they giving me the run around. Its now April, two and half months later im still battling. In the meantime i have paid 2 months installment for car due to their incompetence. Will i be re-imbursed...miracle. For my monthly contribution of almost R10000 a month to Discovery for Medical Aid since 1999, Life Cover and 2 vehicles i had with them this is unacceptable service to the lowest standard. Trying to get hold of Management for assistance is like asking for a miracle.