Car Insurance Claim taking ages to be approved

My car got hit by another car who reversed unto me while parked in a filling station. it was around 10 pm on a Monday gone to the garage to but bread. That affected the tyre leading to the steering not turning. So my car could not move an inch from that moment. When I called Standard bank on that night, they could not locate my policy if I have comprehensive cover but said I have third party insurance which ended up being invoiced for the tow truck to come and tow the car. They told me if I have comprehensive then I won't pay that bill, therefore have to call in the morning to verify. I did and also lodged my claim. By the way they confirmed the comprehensive cover that I have. It then took me every next step to be done on my car claim to call the call centre. It was an ordeal. After a month and half only when my claim was approved and car sent to the panel beaters. Panel beaters(San Rose in Midrand) quoted a different amount which STD bank offered. There was a huge deviation from the 2 supplies which I do admit panel beaters were greedy in this case. My car is still not fixed to date because STD is failing to appoint another panel beaters as the current won't fix. I am Frustrated.