DOTSURE Refusing to pay my car accident claim

On the 28 May 2024 at around 18:00,I was involved in an accident although no 3rd party was involved. I reported the accident i received a terrible service,i dont know how many times i called and i was told the claim was not registered which i did by the way,eventually i registered the claim again.The car was taken by AA to the auto body that works with Dotsure.My car was there from for more than 2 weeks with no updates from Dotsure,i kept calling both Mukombe and Dotsure was often sent from pillar to post.I called Dotsure on the 11th June to release the car as nothing was happening with the car.After their subcontractor Auto body kept the car for such a long time.I was told by Dotsure i should organise my own towing as they only tow once,i did that. No one has mentioned that the accident damaged were not going to be paid because they were mechanical,only today the 20th Aphiwe the claim handle informed me,this happens after i have sent the quotation to them yesterday the 19 June.They are claiming the explosion that happened and caused damages was not an accident.This is a terrible and disgusting treatment,their explanation of accident is senseless,they fail to understand a mere definition of accident.I have been paying my insurance over R1000 with no fail.DOTSURE what is a definition of accident?Why are you taking advantage of people,this a terrible treatment.How do you conduct an assessment using photos and determine if its eligible for payment or not