Unfair treatment

Mfc called me telling me they don’t want the insurance that I had and they sold me their insurance. I asked them questions that should I get involved in a car accident are they going to cover me they said yes it’s the same as the one I had before at Prime Meridian. I got involved in a car accident on March then I called them and put a claim they told me my cover is only for total loss, I asked them for recordings of when I took the cover but they failed to give me. 2 weeks after they called me saying they coming to assess the car I told them to go since I’m still in hospital they’ll find my sister, she helped them then after few hours they called me saying they coming to take the car for fixing. They came the following day they towed it to Pro Beat Autobody on the 25 March 2018 til to date I haven’t received the vehicle. On the 5th of April I received an email saying I must go and take the car since they won’t fix it and I must also pay for storage fees. I didn’t go as I found it unfair for me to pay because I never took the car there, each time I call I don’t gat helped no one explains what’s happening to me I lodged complains but I got no response. I went to Capitec to stop my payment with them that’s when Mfc called me when they didn’t get money but they don’t call me when I lodge my complains. I went to the bank to make loan for home repairs but they told me I should settle my vehicle finance then they’ll give me money, I cannot settle for what I don’t have I don’t even know when the car will come back, whether it will come back or not. I want closure from Mfc it’s been long I’ve been patient but nothing is happening.