Dissappointment with Discovery Insure

I was involved in a car accident on the 8th of December 2017. And I immediately followed all the claim processes. The care was taken by in to the Discovery's recommended panel beaters. I requested a courtesy car which was delivered. Today is the 28th of February and I still don't have my car back. I couldn't take the courtesy car back as I need to get to work on a daily bases and now I am sitting with R6000 I am owing to the car hire company. Eighty four (84) days later I still don't have my car back. Discovery does not want to take any responsibility, all they do is refer me to the panel beaters. The panel beaters also do not want to take any responsibility and I am left stranded with no car. The only interests that discovery protects in this matter is that of their business affiliates with their panel beaters and the car hire companies at the expense of me the client.