Miway Refusing to approve claim for car parts involved in an accident for a client who cl ,

I have been using Miway for 8years now.And to My surprise i am still paying a high premium of R1330 with a Kia Rio 2016 model. Been asking for yearly review they will reduce R100 which is not fair for me.

Secondly, on the 30th of April this year i was involved in a car accident and Miway tow the car to panelbeaters and it took a month and half there. After i fetched the car and found that there were some parts that are not fixed even today and im running up and down with Miway taking me from pillar to posts. Today they telling me that they decided to Give me R1500 to go and fix those parts which i never signed an agreement for cash and why cash,the parts are far more expensive.and its like they are robbing me.their service is bad and the Consultant whom was doing this case takes forever to give me feedback i must call them my self to get the way forward. They are failing to approve the parts as the are part of accident and are coming with all the excuses they have. Please assist