product not fully explained

I was involved in a car accident, i had a long run around with miway, then finally agreed to pay for my car, but to my surprise am told about the car being insured for the retail value to which I wasn't informed what it intaills, I asked for the recordings of the conversation that lead to our agreement. I listened to the cd but at no point I got told of the short falls or what isn't insured regarding what am claiming for. When I insured my car I was insuring it for unforseen circumstances so I won't have to pay for my car while it was a writer off Or it was involved in an accident. so now I had to fix my car before miway decide to turn back their decision not to pay so now I have unnecessary debts, where as am promised freedom or piece of mind from them. It's been 6 months getting run up from them and now I can't move on and start to get a new car. Now they're response said my policy doesn't include short falls which was a product I wasn't informed about. So I think there wasn't transparency and honesty regarding my policy.