Poor service

I took a shortfall cover with innovation group from Webuycars dealer in East London branch. They promised to cover me when am in accident and the insurance write off the car, unfortunately , I got in accident my car was written off , Budget insurance paid as they promised and I had Beta cover with them since my car was a 2017 model , I opted for 2018 model cover so that I may be at an advantage because a car drops value. Innovation group on the other hand promised to pay the short fall that will be left by the insurance and will also add an access fee of R2500.00. Well my shortfall was 58000. Innovation group paid 48000 and they told me that I did not pay access fee and they did not consider my beta cover insurance with budget. I gave them everything they requested yet they still did this even after getting a settlement letter and on their contract , that was not stipulated that access fee of my insurance is their concern . That was not fair and the consultant that was doing my claim was Mpho Motloung not sure about the spelling of her surname. Now MFC notified me that I owe them yet I did claim on the 16 of august Budget insurance paid on the 19 September before month end and Innovation group delayed to pay and when they did they paid after month end in october yet I gave them every document on time thinking I was avoiding such drama. On top of that they paid less amount than the settlement amount, what was the use of taking their policy if they wont deliver as they promised . I got an accident it was not my fault and I was paying them every month