Unfair Resolution of a Claim

Hi there MVIA is giving me a run Around regarding a claim that I've submitted with them a couple of days ago. A couple of days ago i submitted a claim which was accompanied by a quotation where my L/R door got dented and reported the claim with them within 7days. they then Rep**** acknowledging that i still have an outstanding claim that was filled in 2022 for a Tail gate and rear bumper that was reported where no Quotation was attached and the Email advised than i submit a quotation with all the damages on the car including the dents from 2022.

I then requested 3 different quotes from my service provider, first one for the pending claim that was submitted in 2022..{R2900} second quote for the recent dent that just happened{R3100}. Third quote for All damages that are on the car combined which amounted toa total of R6100 and MVIA is refusing to pay those claims separately claiming that I've exceeded my scope of Claim which is R 3000 per claim.. I then Reiterated to the Consultants that the combined quote is for 2 separate claims and they are refusing to pay claiming that I've exceeded my scope of claim. NB: My policy with them is that i report dents within seven days and THERE is No where in our contract or agreement where its States that a claim will Expire after a Certain Period of Time. NB: The Claim for 2022 is R 3100 which Exceeds with my Monthly scope regarding claims policy by R100 of which I'm willing to Pay the Difference of that outstanding R100. Second Claim is R 2900 which is within my Monthly Scope. MVIA is Regarding both Claims a a single Claim yet its 2 different Incidents and have to be delt with separately because they happened on 2 separate occasions.. Please advise because i intend to seek Legal advise regarding the matter at Hand.