Very disappointed customer

My car was damaged by hail storm in May I then registered a claim with ffw after few our company requested us to bring letters from insurance to show that we haven't claim because they wanted to fix our card later In October they gave us letters to sign saying they are compensating us they will no longer fix our cars.i then went back to the insurance explaining that the company will no longer fix our card they only compensating us .they said to me in order for them to fix my car I must return the compensation back to my employer that's when they will assist me .I was surprised bcoz every month I'm paying the expensive premium of R725. And they their excess is also high R5000 for 2014 etios model .I could not take back the compensation for my car .but insurances assisted their client I am very disappointed with first for women.unhappy customer.