Car write off due to possibilities that might and might ‘not’ exist!

I don’t even know where to start. They say we should take up insurance so we have peace of mind in cases if accidents, this phrase on its own is a ****! These are the very people who make sure you have no peace of mind! My car has been declared a write off, I request an assessment report because it didn’t make any sense and didn’t wanna dispute it before actually seeing the report. Report is sent, repair value is quite less than the maximum amount they can use to repair my car. My confusion kicks in, I check on their final notes. They say the repair value is less however there ‘might’, might be other mechanical problems so it’d be unecomomical for the, to repair hence the reason for a write off. So basically they wrote my car off because of a possibility that might not even exist! First question, why is an assessment done from the first place? Second question, what if that possibility is not there? I mean there might and there might not! How can that be a basis of a write off? I tell them whatever possibility that might not even be there or let it be my problem then and fix my insured car, I mean why then do I have an insurance from the first place if when they need to come through they try to find easier escapes for them? Did I not take the insurance for ‘my’ peace of mind instead if the insurance making all the money they possibly can at my expense? I honestly regret having taken this insurance ever, pouty I was warned several times but I was like na I’ve been a loyal client to Absa bank since teenagehood, they can’t do that. Here I am. As it stands, I am forced to take up their offer which is either writing my car off or withdrawing the claim.I don’t agree to any of this and I won’t do any. It’s either my car is fixed at the repair value and returned to me I’ll deal with whatever ‘possibility’ or I fix it myself and give them quotations . Insurer disagree to all of this simply because they wanna force me to something I totally disagree with. I did not sign up for such bullying and I will not allow it . Right now, the courtesy car is not being extended so I can agree, yet I use my car to go to work. Also, my premiums were debited again this month so meaning I’m covered for the whole month again, meaning I paid for car hire again and everything else even though my car was written off last month as per their decision. In closure, this is the worst experience I’ve ever had with an insurance, I feel very ****med!!!