PATHETIC Service!!!

I was involved in an accident on 05 April and to date, i am still sitting with a damaged vehicle. I've had a few claims in the past with companies such as Auto and General, Miway, etc and they have never disappointed me. I decided to take out vehicle insurance last year when i bought a new vehicle. This is the first time i am claiming through discovery and i am extremely disappointed. Firstly, Discovery is just a big name with high costs but pathetic customer service. I had netassess assess my car, told the guy that the light needs to be replaced and not polished and he agreed. I told him i would like to send my vehicle to a panelbeater of my choice and he agreed that this would be possible. 2 days later i called discovery, they said they sent through the quote from netasses ,which i didn't receive. They then realise that my email address is not on the policy document. Never the less, they sent me an agreement of loss which amounted to 19K (including R4000 excess). They said that if i sign the form and the panelbeater of choice charges more then i would have to pay out of my pocket for the balance. I drive to the panelbeater of my choice and they sent me a quote of 31K. I asked Discovery to send me the detailed quote from netasses and notice that they were not going to replace my front light but rather polish it. The panelbeater of my choice told me that they cannot polish the light because the damage is too deep. My car is still under warranty and not even a year old. I've been going back and forth with discovery. They take a while to respond to emails and they do not call their clients. I called to speak to a manager today, held on for 15 mins and then got told that the managers are busy and will call me back. I am still waiting on them to call me. I will not recommend anyone to take out insurance with Discovery and as soon as my vehicle is fixed, i will cancel my insurance with them. They are quick to deduct your money but when it comes to paying out they are damn cheap. Smaller companies charge less and have way better service, their consultants are constantly in touch with you. Discovery is cheap and won't even pick up a phone to call their clients.