Poor service

My son was involved in a mva on 07/09/2015 with my vehicle, not his fault and the woman that caused the accident admit she was not consentrating on the road at the time and skipped a red light. I report the accident to Virseker and told them that I will be using the quilty party's insurance, the next day Virseker arrange a rental car for a month because my vehicle was badly damage, 2 days after I received the rental car they phoned me just to tell me I must return the rental because I'm not using my insurance??? But I do have the option of a rental in such need!! The lady just told me to return the rental because of not using Virseker for the claim, short and sweet!!! Now I am without a vehicle but come the end of the month I must pay my premiem for bad service delivered!!! Next year February is my outbonus time wich mean i'm not claiming for every nitty gritty stuff!!! Thanx Virseker for letting me and my family walk for the time I must wait for the other insurance to prosess the 3rd party claim that could take up to 10 weeks!!! Poor poor absolutely poor service, and that for using the quilty party's insurance to repair my vehicle!!