Most Terrible and Horrible Service on Claims

Outsurance has been taking me back and forth for 2 weeks now with numerous calls with my claims, and this is so frustrating as they have been sending me back and forth with their repairer, refusing to pay out the cost of the quotes from three different repairer i had sent to them for options to fix my car. I was in an accident 8th October 2019. I was asked to take the car for assessment which i did. Then after few days, i was told that the cost to repair my car is R15,662.40 according to the assessment report, and an excess fee of R4,000 would be deducted which i will have to balance up the R4,000 at the repairer to fix my car. They paid out R11,662.40 and told me to go to any repairer of my choice to get my quote, which i did go to three different repairer, and one of the repairers i went to was one of the repairer that Outsurance uses, which cost about R36,000, and the others were R33,000 and R34,000. Outsurance is claiming that the prices are infiltrated, and i asked them that, one of the repairer is the one they had actually recommended in the report, but all they told me is that, they get discount from the repairers. So they actually telling me that they got a discount of about R24,000.

The three different repairer are within the price range from R33,000 - R36,000, and they are all stating that some of the parts should be replaced for guarantee, which I did send those quote to outsurance, and they are rejecting it, insisting that the car be repaired after three different repairer which one of them is the repairer they recommended has indicated to me that if repaired, there wont be a guarantee, but replacement of the parts gives a guarantee. My car has not been fixed, they are not being of any help, and the manager called me to tell me there's nothing they are going to do as the final payout was the R11,6662 they paid. So they basically telling me to pay the rest of about R24,000 to fix my car. The repairer are all saying the same thing and one of them said he could try to fix the bonnet, the washer-bottle is broken that when you put water, the water comes out under the car immediately, the bumper can't be repaired as it's badly damaged. I'm highly disappointed because Outsurance keep insisting, and i think this is what they do to you so you can end up fixing your car with your money even though you pay insurance, and despite the fact that they are not going to repair the car. Outsurance don't live up to what they advertise to their clients, they will stress the day out of you after numerous calls, until you give up to sort your car out by yourself paying out money from your pocket. I'm glad i haven't taken up my other car insurance cover and home insurance cover with them as life cover. I will never advise anyone to use this insurance because they don't care about their customers. I'm actually regretting leaving my previous insurance. All i just want is my car fixed and Outsurance is failing to pay out the cost.