Poor Service and hunger for money

I was involved in an accident with an uber FB60WL GP in Melville on the 25th of February. The uber driver stopped in front of me at a busy road without putting on any hazards as I was following him. I waited almost 3 minutes while hooting but the driver decided to ignore me and still did not put his hazards on. I then decided to overtake on an oncoming lane seeing that it was free. During the time of overtaking, the passenger negligently opened his door without observing and it overlapped to the lane I was on. My front fender and side mirror were smashed. The driver tried running away as per the video I have but he was blocked in front as this was a busy road (7th avenue). I got on to him and tried resolving the matter, he told me to claim from him passenger as the passenger is the one at fault. I then went to the police station since the passenger did not want to come with and the driver was in a hurry. I contacted my insurance on the 26th and they told me that I will have to pay R8500.00 for them to assist me which will in turn affect my premiums. I didn't get why I should be paying that amount as I did not want to claim from my policy and this was a 3rd party claim from the driver's insurance. I had to ask for assistance from uber in resolving the matter since my insurance did not want to assist. All they cared about is money. Uber located the driver's insurance and the insurance located the owner of the car. I tried giving all those details to my insurance and still they did not want to assist without the R8500.00. With most insurances, you get legal assistance without you paying access if you not the one at fault however with Santam it's all about hunger for your money. I honestly do not get why I was required to pay for claiming from the driver's insurance because that was going to affect my premiums. Why have I been paying R2213.00 all these months if my insurance is not willing to assist me. I had to cancel my insurance with immediate effect on the 15th of March as I'm disgusted with the poor service I received. I also realized that they have been reaping me off with monthly premiums after comparing with other insurances. My advise to new drivers, shop around for insurance and get the one which will benefit you in such situations.