Standard Bank/Senate GIT Insurance

I had insurance with Senate and Standard Bank was my broker. My vehicle had an accident on 29 August 2020 Senate sends an inspector to inspect the damaged vehicle on 26 April 2021. After inspection was done they said they cannot prove that the vehicle was roadworthy at the time of accident. Is it my fault? Today 23 August 2021, almost 1 year later, they say that the driver did not meet the requirementsto drive the vehicle but they do not explain. I made it known months earlier that the driver lost his documents on the accident scene and he made an affidavit to confirm this. But even if that was the case, can they now come up with this driver issue after 1 year? They should have rejected my claim months earlier instead of delaying this process and doing this now. How do I deal with this. Now I am liable to pay for the goods on my own.