Outsurance is robbing their clients

I have been with outsurance for years perhaps 5 or more. I hit a pothole , and needed my insurance to assist. On claiming I was I formed I have to pay R5500 for the panelbeaters. I mean the claim won't even be R5500. I really don't k ow why we pay insurance if we cannot use it. You pay R1000 a month. And yet OUTSURANCE want you to pay so much cash. Outsurance is the Worst insurance . I will be taking my business elsewhere where they don't Rob their clients. I would say. If the panel eaters are more than the budgeted amount for that certain damage allocated on the policy by all means... but paying R5500 I can just as well fix my Flippin car myself. So why have insurance. Outsurance is robbing people.