Very bad service from outsurance

My car was in accident in October 2020 and was with the panelbeaters since then until now in May 2021. I was told to fetch the car which was ready to be collected only to find out that it is in a very very bad situation. You could swear that it is a big truck.when you switch on the engine of a i20. I complained about it but I was told to take the car to the assessor which is more than r1500 which I did for the first time. Now they ask me to take it back to them and I will be reimbursed IF it is accident related. The first time I had to borrow that money again for the assessor which I don't know this time if I will be refunded.