New Car R95000 damage while paying R2100pm premium

My NEW car with Less has about 10500km on the clock when this guy skipped the red robot and smacked me. R95000 worth of damages to my car and Hollard wants to fix it. I said i am not prepared to drive a new car for another 5yrs with that much damage and Dineo said she will get Raquel to call me in 2hrs at 10am on Friday last week or before COB from 2hrs after just dropping the call on me. 2 COB's later not a call or a response from Raquel or Neo even after i have sent a mail. Then i was told that my excess is an extra R2000 after the excess cos it's within 90days which was NEVER mentioned to me on my call which i am stilll waiting for the recording from Raquel. This is MY FIRST time with Hollard Insurance and i am disgusted with the service i am receiving for paying an Insurance premium that is as high as a Car repayment premium.