Refund please.

Car insurance enquired in December 2024 and I was happy with the quote and was told to upload vehicle pictures to activate and il start paying premiums. Unfortunately got into an accident and I couldn't proceed with the insurance till my car is fixed. Twice this month of March I got calls from Prime rate asking when am I activating the insurance I told them that the car was involved in an accident so for now I am still busy with fixing the car. I was dead shocked when I got a deduction notification from my bank how????, called customer service, I was told refund takes 40 days, and they cannot provide proof that the refund has been processed. The agent I spoke to is Tumi. I want my money guys because I don't even know why and who activated the insurance after I have told them that I am not in the position to. Might as well pay the cost of fixing this car.