Very angry and fed up wife

My husband was approved for an accident claim 5 months ago. They have called him about 3 times within this time. All they say is that the person who drove into my husband is still paying the account that they have to pay him out off. What that mean I don't know. Our car still not fixed. Can not afford to. Why do we have insurance than. They get and have been getting their money as clock work each month. After the accident even the installment went up. But nothing has been done. We so frustrated cause why are we paying them for.