NO EXPLANATION IS GIVEN WHEN TAKING INSURANCE

I HAVE BEEN INSURED WITH PRIME MERIDIAN FROM 2012 ONLY TO DISCOVER THAT I CAN NOT BE HELPED NOW IN 2015 FOR MY ACCIDENT. ONLY NOW I GOT THE EXPLANATION OF THAT TOTAL LOSS AND EVEN THEIR SALES PERSON SAYS IN THE RECORDING THAT THEY ARE NOT ALLOWED TO GIVE ADVISE. SO I HAD AN ACCIDENT ON THE 14TH OF SEPTEMBER 2015 AND THEY UNFORTUNATELY TOLD ME I CANNOT BE HELPED AND MY CAR HAS TO BE A WRITE OFF BEFORE THEY CAN COVER ME. WHAT ****ESS ME OFF IS THAT EVEN THEIR ASSESSOR ONLY TOOK 2 PICTURES OF THE DAMAGE AND THEY CHEATED ON THE QUOTATION THAT TO FIX MY AIR BAGS WILL COST R2500 AND YET WE CALLED THE SAME COMPANY AND THEY TOLD US THAT TO FIX ONE AIR BAG IS R6000 , WHAT ELSE DID THEY CUT THE PRICE DOWN JUST TO BRING MY QUOTATION DOWN SO THAT THEY DON'T HAVE TO FIX OR PAY ME OUT??? HOW MANY PEOPLE ARE BEING CHEATED BY PRIME MERIDIAN ON DAILY BASIS. TO TOP IT ALL EVEN THE METRO POLICE WHO WAS HELPING ME ON THAT DAY TOLD ME THE SAME STORY AND TOLD ME TO LEAVE PRIME MERIDIAN. MY QUESTION IS AFTER ALL THESE YEARS OF MY SUBSCRIPTION DO THEY THINK THAT WE CAN TAKE SUCH POLICY, I MEAN I SHOULD HAVE BEEN MADE AWARE THAT IF MY CAR IS NOT A WRITE OFF I CANNOT BE COVERED SURELY I WOULD HAVE