5 loyal years down the drainn

I have been a loyal miway client for 5 years with no major claim. Miway decided to approve only part of the repairs for my vehicle, only the visible repairs and not other panels that i as a mechanic wouldnt know. I was bumped by a taxi that scratched my entire passenger side of the car, i drove of and landed on the pavement, damaging under the car. . The attitude started when they say they can't fix under the car since i did not mention it during the claim, i am not amechanic or an assesor to see damages under the car.