IWYZE insurance first claim rejection

I had a very bad experience with Iwyze when I had a car accident on 22 March 2022 and they declined my claim based on their investigator requesting my mother's personal details without any reason: who was not even on the scene of accident. The company IWYZE appointed 3 different investigators n finally gave the case to investigator named Mhlaba whom refused to get supporting documents to support my claim including medical records and he never gave any progress of claim and was difficult to get hold of on the phone but was quick to send claim rejection letter. I fixed my car and decided to cancel the insurance they refused: claiming that I owe them so they will keep the contract thus also keep debiting monthly premiums. Since they refused to assist me on the time I needed the insurance i have been paying for more than 36 months without any claim and yet my first claim was rejected, rather they atleast payback my monthly premiums. I didn't know that I will be paying car insurance to assist when I get involved in accident only to pay damages all by myself while had car insurance with no missed payment record. Please assist on this case.