Why pay insurance when no service is received

i had a incident in December when another car bumped my car in a parking lot, I logged the claim with Momentum and to further advice I was told that I can take the matter further to get my money from the other party. yesterday I received a call from Momentum Legal Dept, they told me that I first need to fix my car and then they will take the matter further, how stupid is that???? what is the legal department there for, I just think this is poor and disgusting service.....<br> every month they receive my payment but they are not willing to help me in this case!!!!!!<br> <br> I an going to cancel my insurance with momentum and find another insurance provider, <br> <br> this is just a warning to any future clients of Momentum Short term insurance 1