Poor service

i have been paying Miway insurance since 2019 for my VW polo till 2021, i unfortunately had an accident, a drunk driver hit a car behind me then it hit me in the back as well, i laid a claim in immediately on the 25th of February 2021 and till today im being taken from pillar to post, no one calls me to up, when i call i get a voicemail when i call customer care i still don't succeed, my question is why was i paying insurance to begin with if I'm not going to get help from them in the first place, if they can't assist me to get my money back from my access then i want them to pay all my premiums back