Non payment of claim.

My car was involved in an accident on the 28th of March. The insurance people requested me to provide the car documents. On top of that they required access to tap my phone. Tapping of the phone was not part of the contract. And I don't feel comfortable because my phone is my personal device. Because I refused to give them access to my phone. Today they came up with the conclusion that they are not going to pay for the car and I have to pay for towing and storage which amount to more than 5000 rand. I do not have a problem with the insurance doing the investigation. I have a problem with a person who want to listening to my personal conversations. They mentioned that they terminated the policy, but the deducted money for this month last week. My car had an accident not ******. I do not see reason why I had to pay for the insurance and when they have to pay back they give me a headache. I already have enough stress of not having a car at the moment.