Unhappy customer

I submitted a claim for my car for repairs last week already. I am still waiting for them to authorise and approve the claim. I don't know why the delays. Whether they want to find excuses not approve the claim as these insurance companies always do to people. They call people and convince them to take policies and when it comes to authorising and approving these claims, they talk another language, this is not fair I've never missed any premium, so what is the excuse? What takes them so long to approve the claim or authorise payment? Can you please give me reasons for not approving the claim. This is not a free service that I am asking for. I am paying for it, for goodness sake. Come on , you can do better than this.