Nedbank Vehicle Insurance - doesn't want to pay out after having an accident

I took a car insurance with Nedbank, which was supposed to be Comprehensive insurance. When I was ready to claim from the insurance after I have been involved in an accident they told me that the terms and conditions are that the car should be written off for Nedbank to pay the outstanding balance they do not fix cars that are not written off.

My question is to Nedbank how is is a comprehensive car insurance if you cannot pay to fix the car after having an accident. Nedbank even made me to pay for towing and storage of my car.

Now I have to pay R100,000.00 towards fixing my car, what's the point of having Nedbank car insurance if you cannot claim after having an accident.