The worst insurance award goes to Hollard

Why is there no minus 0 rating here? that's what hollard insurancedeserves.How long does it take for your insurance to settle claims. My car had water damage as a result of a flood on the 12th of April and was towed to BMW. Upon inspection, I was told that it might be a write-off because it will be expensive to fix. BMW sent me the quotation on the 1st of April and I immediately sent it to Hollard. I got a courtesy car and drove to Cape Town on the 20th. On the 26th I got an email from one of the consultants. She told me that they can’t locate my car and they won’t be able to send an assessor without the location. What was strange is that when I logged a claim I told them where my car was towed to and the quotation BMW sent had the address, telephone number and the person who was dealing with my case at BMW. On the 1st of April it was confirmed that my car is a write-off and ever since then I’ve been the one following up on the status of my claim, the communication I’m getting from these people is disturbing. I’ve sent emails and called many times without anyone getting back to me. Eventually on the 6th someone got back to me and said they were busy getting approvals and would get back to me when they have feedback. And then it was quiet again until the 14th and that was after I sent emails every day. I sent back the agreement of loss on the 15th and these people have not said anything since. I’ve been sending emails and calls, and all I'm told is that the person dealing with my claim is busy and would get back to me but it’s been over a week and they are not saying anything. I don’t have a car and I’ve even taken back the courtesy car. Why do we have to go through this when you have to pay/ settle our cars whereas you are happy to take our money every month. The service I'm getting is disgusting.