Dotsure worst insurer in car Insurance!

I have been with Dotsure for over a year and had committed to all debit orders even the 'administrative' money collection surprises. When I had an accident on the 5th of May 2020 at 08:43am. By God's grace a Mins Auto towing truck had stopped while on its way to assist someone else. The driver called someone to come and assist me while I was kept on hold for atleast 20mins to try and get assistance from the insurer. In less than 10 mins, while still on hold with Dotsure the guy from Mins Auto came and asked who I was insured with so he would get authorisation to tow the vehicle since the car was not in drivable condition. Even the Mins Auto guy's attempt to get authorisation took a further 2hrs while he got a back and forth on my validation as a Dotsure client. Eventually after getting authorisation my car was towed at 12:15pm. Had this accident had occurred at night and had there been no tow truck driving pass the scene, I fear to think what could have happend to me! And that's not even the real shock. The real shock comes when my claim was processed and the assessment quote was R53 939 and a deduction of R13 000 for access an additional R13 000 access that I am younger than 30 yrs of age and ANOTHER additional R13 000 for the fact that there was no 3rd party. Basically its R53 939 MINUS R39000 = R14939 and that's all I got to fix my car! So I basically need to find R39 000 that was deducted to fix my car, Why am I insured than? Where am I gonna find R39 000 from? So what Dotsure tells us is that YOU RATHER KNOCK A CAR and risk dying than to pay R13 000. In addition how they sold me their insurance knowing I was 26yrs of age and than make me pay R13000 for being that age! Had I known I would have never joined! Please don't be fooled by the friendly join ins on Dotsure or any insurance. Had I known I would have never joined!