MIWAY IS A ****!!! STAY AWAY!!!

I have Comprehensive car cover and I also have Scratch and dent cover from Miway Insurance that I've been paying for YEARS with no defaults. I claimed yesterday for scratch and dent since I hit a wall in the morning. Did Nihal not tell me they wont be paying out and that the quotations I provided are not valid?. I got qoutes from 2 panelbeaters. Nihal Singh said they wont be paying out. Are they running a **** there? He calls me this morning to tell me the assessed damage to my car is R8000 and they can only pay for R5000 and less. So I tell him I made quotes which the Panelbeaters were less than R5000. How did their assessor even get to R8000? What the hell have I been paying for all these years? MIWAY IS ****ING ****!!! THEY RIP PEOPLE OFF!