Momentum SA, damaging our vehicle and playing with our life by forcing to use Pirates and second hand parts

I have momentum car and home insurance since 2016,. Everything was going good and smooth until a motorbike made an accident with my car in 2018. I informed Momentum and done everything advised by them and sent my car for repair. Meanwhile I submitted all the evidences and paperwork as it was not my fault. Even I called their legal team and explained everything also informed that I do have witness. But after two years I found that they put the claim on my name and gave the excuse that they didn’t had any witness. Panel beater fixed my car, although I was not happy with the work they done but as a women I had no choice. Later I found that they fitted the wrong parts in my car, also the workmanship was very poor as the paint started to coming off and front bumper falling out. I informed momentum but no help, then I took my car to the repairer and they informed me that Momentum enforced them to fit the pirates or secondhand parts. I spoke with momentum and according to them they are allowed to use the pirates or second hand parts as long as it won’t compromise the safety, look and performance of the vehicle. But in my case it was compromising everything. After a long struggle and hassle, repairer agreed and fitted the right parts, (Paint work still need to be done) In June 2021, a guy bumped my vehicle while he was going out of the parking area. This time I made videos and forwarded to Momentum with other paperwork and evidences. I went to the panel beater to get the quotation and forwarded the same to Momentum. After a while they asked me to take my vehicle to the repairer. I spoke to the repairer and requested them to do the good job and use the proper parts this time and they informed me that "MOMENTUM HAS ASKED THEM TO USE THE PIRATES OR SECON HAND PARTS AGAIN” In the email repairer accepted that pirates parts never fit properly that means it will compromise the safety, look and performance. Then how can a insurance company force them to use the pirates parts?

In short, Momentum actually damaging my vehicle second time. I must say it is kind of syndicate where we cannot win or get proper service for which we are forced to pay every month. They only care about the premium and put our life at risk by using Pirates part in our vehicle. “Momentum A worst Service provider “