Poor service, Shouldn't be given a licence to be an insurance broker

I am very glad to get a problem on my car at very early stage. South african underwriters is a very bad insurance. I wish everyone can know it . My car was not involved in an accident . The stone hit my right light front side. By the car was coming infront at night. My front light get damaged. When u report my problem to my insurance they said that they will send accessor to check the situation and the condition of a car. Till today no one came. Someone called said is appointed by Sau to assist about a car. She said that I must take a car to a panel beaters ,she already spoke to them ,I knock off at work and i went there. When i get there they could not help me saying a boss was not available. I must leave they will contact me. I left later I realize I am running out of time. I checked other panel beaters ,they made qoutation and sent it. When the insurance respond the say they cannot help me because the cost is too high. I ask myself what I was in accident will ,I still get help ? I am just sharing this story as I am very disappointed. Though I warn you don't make a wrong choice to choose Sau their service is very bad and poor. My car light still not right though I have insurance I choose to help if something happen on my car. I am fine I will fix my car as I love it. I am very hurt though I learn a lesson. Thank you