Quick to shift blame

On the 31st of December 2014 I was involved in a car accident on my way to East London. The vehicle was towed to the panel beaters recommended by Iwyze. it took them almost 4 months to sort out the vehicle. Late April we received the car from the panel beaters and it had endless problems. there was noise emanating from the engine. I had the vehicle serviced as it was due for a service. a month down the line the vehicles engine seized. the car was sent back to the panel beaters and to the mechanic for diagnostic test. the test confirm that the vehicle was overheating undergradual pressure as a result of the accident. A copy of the assessment that was done on the vehicle shows that the engine wasn't even assessed but yet the radiator was replaced because it was damaged and the car was overheating. Now the insurance is quick to shift the blame saying that I failed to maintain the vehicle, but yet the car was in a car accident and was never properly assessed. Why replace a damaged radiator if you dispute that the engine didn't have any faults? its been 9 months without a vehicle and now this is the treatment I get from IWYZE. I regret the day I joined this insurance....