Exploited by PMD

Basically Prime Maridean direct is now a ****.it's been five years since I have been with them.. My two vehicle are insured by them, however I had an accident last week, I hv lodge a claim via app. I submitted all documents ND waited for response. I did not receive a response up until today I decided to contact them. I was then told that the claim has been approved however I have to pay R5000 something and the insurence will only contribute R. 2000 yet I am the one paying premium every month.what I know is that no access when you claim with PMD.I was told that policy document has been changed in order to exploit people. I'm am paying 80 percent and the insurence is paying 20 percent... It doesn't make sence.. What is the use of having an insurence... The worse regret I have is that I have been recruiting people to join PMD.I have referred several people not knowing that they will have problems when they claim. I think should let them know to cancel insurence. The last time I checked PMD was a great choice insurance but now things have changed. I'm very disappointed. That I have been paying the insurence for the past 4 years.They are even failing just to cover whole expenses for bumper accident. They only contribute 20 percent and the rest of the money should come you.. It doesn't make sense at all. I'm very disappointed