Poor service

My car broke down on the 28 of December 2018. I phoned innovation group I was given a list garages. I took my car to the 1st garage which quoted +- R35000. I took the car to the 2nd garage from the list sent to me via email. This was not a garage of my choice I got it from the list. I could not hire a car to come back to Cape Town because it was going to cost me a lot of money. My children have to take public transport to school every day. My issues is that this garage is taking way too long with the car. They also had to wait for an assessor. I am not sure what the assessor does because everyday there is something else that has to be fixed. I had to pay R650 for the bottle and I do not understand why they say it is wear and tear because that bottle is not 5 years old. Now the garage says I must pay another R1300 for a carburettor/radiator. I don't understand why innovation group says this is wear and tear. And the insurance wont fund it. My car is serviced regularly when it is due, therefore I do not understand why this was not picked up. I had to phone between the insurance and the garage ever since the 30th of Dec 2018. And I had to explain to the garage what they need to do and when. That also cost money. Now everyday there is something extra that I have to pay and that is not covered by the insurance. Why didn't the garage look at my car holistically. I have already been inconvenienced, please help. This is the second time the insurance is doing this. Where I have to pay for stuff out of my own pocket.