Bad Service and incompetance

I recently hit a pothole which resulted to my vehicle being un-drivable. I reported this to Hollard car insurances. Hollard came back to tell me there is nothing wrong with my car, mechanically and suggested that I change the ball joint on my vehicle because they were worn out. They then went on to tell me that they repaired the front bumper which was not part of my claim and now they are demanding that I pay R3000 excess. This now has left me with, the impression that whenever the assessors of Hollard get a car they cannot see the reported damage with. They will resort to finding anything else that is not related to the claim so that the can make money from their clients. I am currently rethinking my service agreement with Hollard...