MVIA Nonsense

I bought a vehicle maintenance plan with Apex who apparently went out of business. My cover was then trasfered to MVIA. I am having difficulty talking to them. 1stly - terms and conditions are well known to me. For the first time that I have submitted a claim, they are willing to pay a tindzy little amount. Why did i take a vehicle maintenance plan with Apex (I will answer that question Myself: For rainy days like this for when you do not have money to cover that) 2ndly - I provided all the documents require from me but they are going to pay just an amount that they decided on. My question: Where is that amount coming from because on a plan they have components covered for a certain amount and if that amount goes over then the client has to fit the extras. 3rdly - the bill came out to R3900 and the part costs R2000 but I am required to pay the 2k and they will pay R1700, for what??? The cover is stating that the alternator is covered for R7000 and the quotation is R3900. 4thly - the people who are taking calls are victims in a sense that they need to deal with us as clients to protect their jobs and the company while the managers are inaccessible. I asked to speak to a superior and was told that they are not supposed to talk to them. Why? It is highway *******. 5thly - Sent them an email to expedite the case, spent airtime to talk to the agents but they are not allowed to call back or give you a direct number to anyone in management. This is nonsense to me and I will be escalating this to my lawyer. Missing information from this can be recovered from me because more people will suffer as I am currently suffering. They need to pay, bottom line. Even asked for the recorded calls between me and Apex who they bought the business from but nothing. Tired and want to continue with my life because I am a good payer