My Worst Claim Experience with Discovery insurance

It's almost a month now ever since I claimed for my car accident at Discovery insurance. I've called them every day wanting to understand why my claim have to go under such scrutiny to be finalised. I was informed that the claim was approved and a mechanic needed to do further engine assessment because my vehicle oil samp got damaged in the accident. So they needed to analyse and extend of the damage. A report got handed to Discovery insurance for authorisation to replacement the engine but Discovery insurance is now insisting that a ''specialist mechanic'' needs to further find the route course of the damages in order to declining my claim. The reason for this is because after the accident happened the car was drivable I continued driving it without any warning sign but less than 5min or so of driving the car the engine stopped running and displayed all the warning signs. I told this to the validator who personally came to investigation investigate my claim. I was not going to risk my life by parking at very dangerous zone while waiting for a tow truck to come and assist me because they are now saying I should have stopped driving my car as an excuse, I'm glad that the car was drivable and stopped running where it was safer for my life. If Discovery Insurance wants to avoids peoples claims because of avoiding the cost of changing the engine since the mechanic report says so they should be specific because the only concern that they care about is when debiting my account for their monthly premium but my safety and wellbeing doesn't sit well with them. This is the worst ever claiming experience I've ever had to undergo and your clients need know about this. So stop deceiving you have the best claiming process and your claim specialist don't know the meaning of customer care.