******** and worst short term insurance!!!

My car was in an accident where it collided with another car and the body was badly damaged, however Santam approved the claim. Two weeks after it returned from the repairs. It started making a knocking sound in front (bonnet), so I called them and I was told I needed to send it back for inspection. The service provider that was appointed by santam examined the problem and stated that the knocking sound could be coming from the gearbox but admitted that they don't deal with gearbox. The repairer also advised santam to take the car to specialist for thorough assessment, but they refuse and claimed that the noise was not caused by the accident without conducting proper assessment. . Santam is now refusing to conduct an assessment to determine whether or not the knocking sound could be from the gearbox and that could be potentially emanating from the accident. Their reasoning is that the grinding/knocking sound could not have resulted from the accident based on the description and pictures of the accident.

My issue is that, how did they conclude and reject my claim without conducting proper assessment?

How did they determine from the pictures and description of the accident that the mechanical failure of the car was unrelated to the accident?