My husband and I have a car insurance with Miway of which we pay +-1000 monthly + scratch and dents

My husband and I have a car insurance with Miway of which we pay +-1000 monthly + scratch and dents. But last month we had a car accident and they refused to cover everything that needs to be fixed on the car, when we complained they it's because the car has extra accessories but we explained we bought the Ranger as it is and they asked for the contract and we sent it but they're still refusing to cover those accessories.