bad insurance company

I was in an accident with my car. Ive done everything that ive should to let them fix my car.the panelbeater that they wanted me to use gave a quote to them of about R27000. They dont want to pay the amount the amount that they want to Pay is about R12500 they refuse to pay the amount that must be payed. I pay them every month that i have to pay. But when it comes to the day you need them to fix your car they dont want to pay. We are still struggling to get my car fix and its over 2 months .everytime we oask them whats going to happen they say we gave it though to managenment we must wait. This is the worst assurance ive ever been with never use them its not worth all the trouble to go thru