Claim Rejected

I was involved in an accident in March 2018.The person who pumped into my car agreed to cover cost of damage. Weeks later he refused to fix my car. I fixed the car and reported the matter to court. He was ordered by the court to cover the cost. He did not pay and the matter was referred to the sheriff. Sheriff found no asset to attach. Late in September 2018 I noticed a problem with car front lights, BMW found that the car was not fixed according to standard and suspended warranty. I logged claim with Hollards.I explained why claim was logged late after the accident and provided proof from the court , police accident report number, accident scene picture, tracker installation certificate, letter from bank.... everything they requested. First they rejected claim because I was late, I argued that the matter was still at court. Secondly, they said my witness does not pick calls. Lastly they rejected by claim because I claimed from at-fault driver, money that he never paid. Too many reason for rejection.

Why did they request court paper but stll reject on the basis that the claim was late.

I requested official letter declining the claim to take the matter to court, I am yet to receive the letter.

I wanted the at fault driver to repair my car to protect my claim record.

I was very clear from the beginning they wanted a reason not to approve the claim. In my meeting with the Claim Facilitator he claimed he knew I was drunk but he will not mention in his report, I felt insulted, undermined and not treated fairly. I still have BMW quotation in my possession and BMW 320I without warranty (less 65 000 km mileage). Hollard is debiting my account monthly for my two cars insured, one for close to two year. The only claim I has with Hollard in more than 3 years was for windscreen.......