Naked Insurance - Service providers and third-party cover

Had a vehicle accident, the claims process was simple and the communication was good. The 1st issue was the panel beater appointed by Naked. After my vehicle was collected, I noticed the poor workmanship. I mailed images to the panel beater with no feedback on the concern. I'm not sure how a client's vehicle can be handed over with cracked panels after the panel beater informs you that the vehicle is being inspected prior to it being released. The 2nd issue is the 3rd party cover. I have comprehensive insurance with third-party liability however, the third-party claim was rejected because apparently, my vehicle cost too much to repair. Perhaps I don't understand how insurance works but when they say you have third-party cover for R5 million, you probably don't.