Dissatisfactory unfair services at all coast

On the 4th of October 2019 I received a phone call from tracking company informing me that my car had involved in car accident I further asked the tracking company for directions where the accident occurred then they send the location and it was moun Clair area on my way to the scene I recieved a phone call from the person who introduced himself as Sphe informing that he has been car jacked it was around +/_19h20 evening and he was forced to boot of the car and they drove away with the car after some kilometres he was dropped off and realised it was mobeni heights I reply to him by saying go to police station and lay a change and I arrived to the scene and found my car damaged at the back,front and all four types bust rims damaged then reported the matter to my insurance intaba financial services underwriter by vum sanlam I forwarded all the necessary documents then told the accessor will call to access as well as the Investigation officer the case number was cas10/10/2029 umlazi saps.in moun Clair i was told that my car was involved in attempt car jacking and attempted ****** as per moun clair cas14/10/2019 I then informed my Broker intaba financial services as well as vum insurance (santam) of the incident then the investigation officer from moun Clair saps d/sergeant Shezi asked me to bring the person who was driving the car the time of carjacking then I brought that person whom I did not knew him the person I knew was Nkosi Dlomo who was my driver I employed then because I knew the name the day information me about the carjacking I get to me him and brought him to D/sergeant Shezi whom later on told me that he is detaining Sphe there are some pieces that do not fit in the pasel then days later I met with insurance investigating officer and visited the scene of carjacking. Gone past the days I was told that my claim has declined due to that the car was involved in ******* activities I then lodged a complaint at ombudsman give a ref I/43/19 iwas told the matter will be finalised after six months for that matter the car was tow to panelbeaters shop for repairs since the 4th October 2019 mind November I called my brocker intaba financial services enquiring about the car then consultant told me my policy has been cancelled and she is going to find out about the car days pass and I call again and she sent me an email saying I'm liable for all coast occurred since my claim was declined I should have removed the motor vehicle from panelbeaters I then asked how should have known no answer was given then I started engaging with the panelbeaters then lady I spoke to told me that insurance told them that the car was under investigation I kept calling then they told me that the insurance has declined the claim through tharally investigation.panelbeater told me that I was +/_123k if no mistaken to repair the car I tried to raise that funds and I failed then they told me that there going to charge me for starage from the day the car came in 250 per day which i managed to pay in early March2020 I just told my colleague my side of the story yesterday she told me to report the Matter to Hellopeter maybe it could help me because it has helped alot of people with similar cases.