My insurance company not will to help instead demanding money from , pmd car insurance

On the 25th of September 2024, I was involved in a car accident, where I was distracted by a tractor for not stopping on a stop sign, I then reduced my car speed allowing the tractor to pass, then 4 to 6 meters away there was a donkey on my line n to my left side was a higher bridge about 3 to 4 meters long, I had no chance to brake or turn the car wheels to the left since there's a bridge n I would not have survived, I decided not to hit the donkey direct, swinging the car to my right side onto the on coming traffic hitting the donkey with the left side lamp n the fender, n car span twice n ended up overturning n I was driving here now at around 60kmh, since the distraction on the tractor 🚜. Now on the 26th I reported the accident to Pmd, they pro longed the claim ever since then n on Friday 26th October 2024, pmd told that the claim has failed, n that i exceeded speed limit on that area n was driving 106kmh n this speed they r stating , I would not have hit the tractor with n would have hit it n died, since the area speed limit is 60kmh. I am not happy n discontented with their services, it took them over 15 working days to complete the claim, I then got the car which I paid a deposit of R2000 to get the car, which they demanded back on the 26th October since everything failed n was due to be returned on the 1th November 2024. Now I am hereby complaining to HellloPeter about this matter, stating that i was driving 106kmph not true reflection of the speed n that their Data collection allegations r not true n since i had no car tracking system in my car, they instructed me to pay them an amount of R8000 for the release of my car from Polokwane auction, that it will accumulating higher storage costs.n rates, after all they still want me to pay them, my concern is, what was I insured for since 2023 to date, they required the necessary documents of the car n of the insurance, which I have provided n I have never missed or jumped any of my premiums n now I am helpless by this institution, I am not happy with the rejection, not happy for them demanding payment of R8000 after all, pls Hello Peter help with matter ur my last hope, n I must fix my own car on my own n its a write-off . This pmd is not solving issues for their clients in bad times of their loyal customers