Warranty Claim - Covered for R25000 but paying R3000

I am driving a car that is financed under my sisters name and late last week there was a transmission problem with my car and since the car is under warranty I though okay that will be sorted, we called Innovation group and they assured us that we are covered for R 25 000 and since we were quoted R 13 000 we are covered, the dealer sent the relevant information to innovation and comes Monday, we receive a letter that only R 3000 is approved. We have been calling and we have been transferred from one consultant to another and the car is been with the dealer for two days. We are not accepting the R 3 000 and we demand the full cover so that we can have our car back. I will never, ever advise anyone to use innovation, they are rude and they keep trying to shut you up and that they know better. I am a customer and should be treated with some level of respect.

I NEED THIS SORTED ASAP!!!!