Bad customer service

Msure is disappointing I’m with them over 3 now and with the first claim of gearbox on my Kia and door which the dealer quoted +-27000 they only approved 3500 over everything which it could not even buy the clutch kit ,I never experienced such since I’m with then.it means now I need to pay 25k which I don’t have at all I’m really disgusted and disappointed.I’m really confused so far asking myself all this time I had this Msure insurance I was only paying for 3500.I have mechanical insurance with them😡😡😡😡