Vehicle repair

I had an accident in November 2024. I fetched the vehicle from the panelbeaters, but new problem emerged. The right head light was collecting water when it rained and it went blank. The head light is not working. The insurance send an Assessor to check the new issue, to date I still don't have a definite response from the insurance on how do we move forward. I've been advised that, a decision has not been made. It's more than 2 months now without a driveable vehicle. Miway is unable to assist me, but collecting my premiums on the vehicle on a monthly basis. I need all the premiums I have paid to Miway to be paid to me since 2014 as they are unable to assist me on this matter.