Outsurance - Look for reasons not to pay

We have been with Outsurance for car insurance, for many years now and to date never had to claim. My husband hit pavement the other day swerving to miss a taxi in our lane which of course never stopped. Our vehicle has now been with Outsurance for going on 3 weeks & we are still waiting for an authorisation number. I have been told 3 different stories about what is wrong with my car by 3 different "Assessors" When my husband met the last assessor at the repair workshop on Friday, the assessor agreed that the damage to our vehicle is accident related. This morning when I phone to find out why an authorisation number has still not been issued I am told once again it is not accident related. What do we pay insurance for??? I will be cancelling my insurance with Outsurance once this is settled and will never make use of them for car insurance again as all you get are stories, excuses and every reason under the sun not to pay.