Scratch and dent INSURANCE claim.

I joined first for women almost 2 years ago. Comprehensive car insurance and scratch and dent insurance. I submitted a claim on my scratch and dent policy(it was literally just a scratch, no dent at all) only for it to be rejected because the the damages came out to more than what the scratch and dent covers. Scratch and dent is as waste of money please do not take out scratch and dent with first for women. I then told them to pay out the money to me that it is insured for and according to them this cannot be done. SUPER FRUSTRATING BECAUSE WHY AM I THEN PAYING FOR INSURANCE, THIS MONEY THEN MEEDS TO BE PAID OUT TO ME SO THAT I CAN HAVE THE SCRATCH SEEN TO ON MY VEHICLE. I wasnt happy this outcome and the consultant that assisted me said she will get a manager to call me... I told her in expecting the call the same day from the manager but no manager called. 2 days later I called again and was advised that i can get a quote from another assessor that has to be approved. I then asked for a list of approved panelbeaters but still haven't received it. I am upset with the service I received from 1st for women and them looking for any excuse to reject the claim. If this is happening with scratch and dent, I can only imagine what will happen with a claim on my comprehensive cover. Super disappointed in first for women. Their poor service shows why they so affordable... feel like canceling my plans with them. For as long as I have this plan, not once did they have problems with me paying my insurance, now that I have to claim, I'm having problems with them. PATHETIC!!!!