Rejection of my Claim and debiting me Twice and sending me to an Assessment Centre without giving me the Full report of the Assessment and ignoring me

I was involved in an accident (not my fault as l was on the emergency lane of the N1 with my hazard lights - l was about to put up an emergency sign as per regulation 214 of the Road Traffic Act - and l never got a chance to get out of the car as another young driver who was on his cellphone hit my door panel) on the 29th of June 2023. I called King Price and they informed me that l was not covered for that day the accident happened. However, they debited my account for the full premium as per agreement plus pro-rata. My debit day is on the last day of the month and l enquired as to why 2 debits were done on my account on the agreed date. The lady told me that it's pro-rata and the other payment was for the following month. l was not happy as per my understanding of pro-rata and due to the fact that the 2 amounts that were debited should have equaled the Premium as per agreement. I told them that they debited me from the last day of June 2023 till last day of July and on top of that they also debited me for another day (the same day) which simply means that l was automatically covered for the day in question as per debits on my account. On top of that they said that they would organize an Assessment on my car and that they would pay for it. I had to call them to make a follow-up on that as they ignored me. They eventually sent me to an Assessment Centre in Johannesburg South and my car has been there for almost 3 weeks and the Assessor called me to inform me that they said they were not going to pay for the fixing of my car. I feel that l was treated unfairly and that King Price is very unprofessional as they sent me to an Assessment Centre and kept the Assessment Report without notifying me of the outcome and rejecting my claim whilst debiting my account. What am l paying for? I have been treated unfairly.