Bad service from absa direct and fix first help towing company

I was involved in an accident when I tried to call my insurance absa I direct they sent a towing truck to help but when I called to give them an accident report,they told me that they won’t cover me because my policy has lapsed while I didn’t know of that now first help wants me to pay for storage and they wanted more than 10000 on the first day now I truly need help. It feels as if they are *****ing from us which can’t be helped they taking advantage of the weak