Vehicle insurance rip-off - Claim not paid out

Its been more than 3 months and this insurance company is fumbling in their duties to payout my claim. I understand there is a new process to resolve ********** claims and so forth but Santam must find better, simpler and efficient processes because the current one makes no sense. Firstly I don't have 50k lying around to pay the panelbeater and expecting Santam to pay and then they expect the panelbeater to do the work without any payment, it is so risky to conduct business in this manner. And they got mean to sign a disclaimer form indicating they will not be liable because I used an alternate panelbeater. To date they don't do follow-ups, I have to keep them in the loop and ask the questions. I even went as far as acquiring 2 quotes and they knocked almost 20k and still they finding every way to make my life difficult. I spoke to the panelbeater and he is shocked at the way you guys are doing business and he's not prepared to commence with any work until I pay him. I gave them 2 Quotations indicating in detail what needs repairing and/or replacing and photos to back up this, if there were any discrepancies then they should have viewed the car in person but everything seems to be in order except foe the release of monies. I will not use my personal savings and risk Santam reimbursing me or not. It's just a risky deal in so many ways and such a low ball of operating an insurance company. There needs to be better mechanisms in place, this is just inefficient and needs to be relooked at or else I'm going to share my experience on all social media platforms. Absolutely ridiculous process that makes no sense. I can find so many loop holes with this process that is ridiculous on so many levels. Just pay me out so that I can pay the panelbeater for the work carried out. It's my motor vehicle that's damaged not yours, all the evidence was provided and justified so it should be clean cut. My next step if not resolved is social media to educate others and then the ombudsman to speed up this process.