a very poor service by miway insurance

on the 22 September I heat a *** and my car was damaged , the car is a corolla professional 2012 modelI reported the accident with miway insurance as I am a member , since I t was during the night and the following Monday was a holiday they said I must call on a working day which I did and the consultants told me that I must pay an access of R13000.00 before they can be able to assist , meaning that any damage caused on my car must be more than R13000.00 and I must first pay the access and they will pay the balance . which was a surprise to me . well the panelbeater assessed the car and the damage was R11000.00 and Miway insurance refuse to pay me. they told me many stories which does not make sense to me, be cause everyone whom i know and asked them how much are their accesses on their insurance , all of them are paying between 3000 and 4000 with their respective insurances. so with miway how can you pay an access of R13000.00 for a corolla profession 2012 model?? i will never recommend Miway to anyone i know and their service is very poor. i paid for the insurance for more than three years and yet they refuse to pay us.