Dent claim shortfall

After 7 days of submitting a claim I was told to pay in the 50 % difference of the quoted amount from the panel beaters of which I don't have.

Then I requested a cash settlement,they don't have that option and now I must go find an RMI registered panel beater who can fix the dent for the cover amount.Submit his paperwork so that they can check if they can work with them.

All of this must be done by me as client and I was never told about this when this policy was sold to me.This policy is expiring in 3 months if I don't raise the difference by that date I am going to forfeit all my premiums.