Unreasonable additional charges

When i took out insurance with Miway towards the end of 2020 for the e-hailing business I'm into i was told that i had to fit their device so they can monitor my driving 10 days from the date of inception. I believe I've missed their calls during that period because i drive clients around and i don't believe it's the right thing to do to answer calls while driving, especially with clients in transit. I got involved in an accident on the 15th of March because an idiot decided to take a chance and ended up crashing into 2 cars that were stationery. I have to pay 15000 access but my issue is when i was told i have to pay an additional 9000 for not having their device.

Where must i get the money to pay 9000 when I'm only surviving to pay the monthly car instalment? I'm really not happy. I've been home for almost 3 weeks without any income and now I'm expected to pay such ridiculous amounts??

My question is, why have they been debiting money when they know that i haven't fitted the device??