Car not repairable now apparently

Had a claim that the insurance mentioned the car will be repaired.So I called the panelbeaters that were delegated to me through the insurance . I asked the panel beaters how far with sourcing my products they consultant said they are still sourcing for "cheaper" products and if they cannot find products within the budget off R180,000.00 my car will be a write off. So tell my why the heck is the decision still undecided if my car is a write off or repair and I still will be paying off monthly installments for the can whilst the panelbeaters and insurancing are deciding if my car will be a write off or not. Im sick and tired off the games I've got ptsd and stress from the accident . I need a finalized answer is my car repaireable or not . February installment will be deducted of R7239 whilst my car idles at the panelbeaters because someone is still looking for cheaper cars .I do not recommend this insurance to anyone it is hell.