EXHAUSTED!!

I get an accident on the 11th May 2019. It's the 22nd July 2019 and we still waiting for parts with possibly 2-3 week wait still ahead of us, nvm the 2-3 weeks that was estimated for the actual repairs. With only a 30 day courtesy car and miscommunication from insurance that saw me driving an overdue car with a surprise R5830 bil waitng on the other end. I talk to insurance who offer me an extension of a whooping FIVE days... So here I am, 2 months later looking around for a courtesy car that'll cost me less than R265 a day, which is what I will have to pay until my car is fixed. My in office help from Santam says the delay wasn't insurance's fault, the panel beaters(who technically I don't have a contract with) say its not their fault either. So since I'm footing the bill I'm guessing it's my fault I got into an accident and also my fault that I only pay for 30 days for courtesy car hire and my fault that parts are on back order and somewhere between here and Germany. That's the conclusion. Someone tell me that this is not what insurance is about and that there are actually better options out there!!!!!