Service and Settlement not satisfactory

I was involved in a car accident on the 7th of September 2019 and my car was towed, the claim was very slow as i was not getting any feedback and eventually is started flowing. I was told by the assessor that my car is written off and is beyond its economical condition, i agreed with them to settle with the bank since i was told my car cannot be fixed and considering a free shortfall dotsure offered me when i started the policy it would assist me with the difference. My shortfall was being rejected, i had a penalty of R19k for claiming within 6months which i was aware of and R19k access was also deducted which left me with a balance of R65k payable to the bank. I once again agreed and accepted the fall since i did not have a choice and signed a payment agreement however, the issue started when i saw my car at this car dealership in Gezina pta, it was fixed and in a condition, i then took the matter with the Ombudsman but i still did not get any joy, i was reminded of signing the payment agreement ... the case took at-least 3months and their findings were based on the insurance report no investigation was conducted.

Had Dotsure fixed my car or at least gave me an alternatives i would not been in this financial situation, and How can i pay a car that is currently on sale, can MFC re-finance a car to someone that i am currently paying? that is a story for another day. The assessor/dotsure really failed me.