Refuse to Fix Damage on the Vehicle

1. My vehicle insurance didn't repair the damaged tow bar<br> <br> <br> 2. Accidental damage on the vehicle was not repaired to my satisfactory and reason why the panel beaters not repaired it completely was the assesor came during the process of repairing the car and instructed them not to repaire it because the vehicle was involved in an accident before the recent accident damage.<br> <br> <br> 3. Only the rear bumper was repaired to my satisfactory because it was replaced.<br> <br> <br> 4. Vehicle insurance normally gives the courtesy car to a maximum of 30 days and i was treated like a trash after the rear bumper was replaced by 3 days and discovery insurance instructed avis to send me an sms to bring the courtesy car immediately and should i fail to bring it therefore the cost will be on me. It happened without proper consultation with me or to check if i can return a car in time if not outside the country.<br> <br> 5. My premium amount went up without informing me completely and i want to know why is my premium went up after I have reported an accident damage and so why not informed me so that i could choose if i want to be still with discovery insurance or not.