rejected my claim

I was in an accident and my car was damaged,upon reporting to my assurance,i was told to send my vehicle for assessment ,which i did .after 3 days of the assessment by insurance phones me back (a very rude lady)saying that the costs to repairing my vehicle came to R4200 and my access to that is R5000.00 and therefore they are rejecting my claim. What *******?what utter nonsense? Firstly none of this was communicated to me when i joined ,i was told that i would be fully covered but how quickly the story changes when you are in need and these Sharks already got you ind your money in the bag..And when i ask the consultant who phone me if what's going to happen to my car,with absolutely no care in the world she tells me oh I'm afraid you in going to have to fix the car yourself. Then my question is what the he'll have i been paying .fo all this month ?what am i going to work with because this is my working car.I am disgusted BAD SERVICE -BAD ATTITUDE should be king prices new logo because that is what they deliv.er -NOTHING ABSOLUTELY NOTHING .