disgusted

I laid a claim for my car to be repaired i then asked if i can use my panelbeater that fixed my car last year due to the fact that they did a excellent job and on time not more than a day. I ask if this can be done again and if I can be given the cash so that they can do the job again since I trust them and I know I will not be dissapointed. now I get told because the claim is 18900 I cannot get the money this was never disclosed to me before so I feel this is not ethical. firstly the first lady says if it's more than 10000 then the second lady says if it's more than 15000. I would like my panelbeaters to do my job I have a choice since I pay these premiums and due to the fact that this was not disclosed to me I'm disgusted in the service <br>