ACCIDENT COMPLAINT

I WAS INVOLVED IN A CAR ACCIDENT ON THE 25TH OF SEPTEMBER 2015. A LADY BUMPED INTO MY CAR WHICH WAS STATIONERY I REPORTED THE MATTER TO THE INSURANCE. THEY ADVISED ME TO SEND THE CAR TO SAFARI PANEL BEATERS AFTER THE INSPECTION WAS DONE. TO MY SURPRISE I WAS TOLD THAT THE TOW BAR WAS NOT PART OF THE INSURED. AND YET WHEN I BOUGHT IT, IT HAD A TOW BAR. I DID NOT PUT THE TOW BAR. WHEN I BOUGHT THE CAR THE INSURANCE ASKED ME TO TAKE THE CAR TO ANY PG COMPANY TO HAVE IT ASSESSED AND I DID SEND THE INSPECTION FORM TO THE INSURANCE....AND THERE IS PROOF THAT THE TOW BAR WAS ON THE CAR. I HAVE SINCE PAID THE EXCESS AMOUNT THAT I WAS REQUIRED TO PAY WHICH WAS INVOICED ON THE 9TH OF NOVEMBER 2015. AS OF NOW I HAVEN'T HEARD ANYTHING FROM MY INSURANCE THERE IS NO COMMUNICATION AT ALL REGARDING WHAT IS GOING ON AND MY REPAYMENT OF THE EXCESS AMOUNT AS STATED IN THE POLICY. HOW AM I GOING TO CLAIM FOR THE TOW BAR SINCE THE PANEL BEATERS DID NOT PUT IT BACK. THE CAR HAS SINCE BEEN FIXED