Outsurance doesn't deliver on promises

Two Outsurance clients had an accident (motorbike & car) on 06/08/'14. After I was released from hospital Out. told me to take the bike for a quote. I requested assessor instead (I was unable to ride). They refused & said to wait until I can ride. There4 I only submitted the quote by 17/11 & all evidence of accident. The lady driver refused to admit liability or give consent for claim so Out. said they can't pay out. I must claim from my policy or sue her myself (this would affect my claim record negative for future insurance). Still today, no payment. Imagine 6 months later you still can't use your vehicle & also incurred other costs because of it. My bike is now 1y older meaning I will get less for it. Who will bare this loss now? As a client I should: <br> 1. Not get quotes myself when incapable to drive (6 weeks on crutches). Out. should arrange this. <br> 2. Not have to sue other party in person but legal dept. should do it. <br> 3. In such a dispute, there should be a kitty so damages can be paid out (better service) & thereafter, the mess can be sorted out assessing the evidence and claimed against that policy?<br> Outsurance's bad processes prevents advertised good and fast service!!<br>