Insurence

I had an accident on the 30th of March 2015. I 've sent all the necessary documentation to MiWay as requested. My Claim was approved and I was instructed to take my car in for repairs at Tutuka Car Clinic. On the 7th 0f April 2015 when I was supposed to hand in my Car and get a curtsey car from MiWay I was informed that I won't get it until I paid access of R4000 and the parts have been ordered and delivered at Tutuka Car Clinic. This is highly unacceptable as I was not informed when I chose an option to get a curtsey car for 31 days in case of an accident. Now I am denied it by my insurance because they want me to pay the access and have the parts delivered to the panel beaters before they can issue me with the curtsey car. I then paid the access at the panel beaters called MiWay to say I will be dropping off my car at the panel beaters in 3 days I need a curtsey car then now I've been told that they will only give me the car once Tutuka motor advise them that the parts are there. I have a curtsey car insurance yet I can't use it when I need it but I am paying for it. MiWay service sucks big time.