Third party claim access payable unforeseen event

I had an accident which was not my fault because someone drove into me. I need to pay my access and forfeit my outbonus when it wasn't even my fault. Explained my situation to Portia in the claims department and she showed empathy but no remorse. Now I'm sitting with a bumped car and my claim cannot be processed because I don't have 5k lying around on my back seat. The only option I have is to pay it out of my pocket and wait for up to 3 years so that outsurance tries to retieve the money from the other party. My issue is with the fact that third party claims gets covered with a whole lot of T's and C's but when it comes to us having to pay them then there is no T's and C's. I pay a lot on insurance and only found out now that I forfeited my outbonus based on a lady@out claim which I pay as separate premium for but it gets covered under the same policy number, pure bull. This is honestly a money making scheme who fits the bill the clients only and outsurance has nothing to lose? Access 5000+6000 outbonus= all debit settled on outsurances side and they still do a recovery, recovering all their money before recovering my access and my outbonus still lost. Manager doesnt return calls