A Femal client left straded at 1am by her car insurance company

Had a my car clutch fail on a Friday evening, while traveling from Gauteng to Limpopo. I since contacted my way for a road side assistance. It was around 1Am when all of this transpired. My was road side assistance did assist by sending a tow company to come and tow the car. Little did I know that Roadside assistance doesn't not offer me the courtesy car that I pay for every month. I was since advised that the can organise me a family run that I had to pay for, I was suppose to pay R3,000.00 for the family run. I since rejected the offer for the R3,000 family run, I was left stranded with no transportation. what is the point of a roadside assistance if you can claim for a curtsey car that you pay for, why is that you need to have an accident for one to claim the curtsey car.

I think my way need to revisit their policy, they care about the car insured not their client that pay the policy.