Unfairly rejected claim and poor service

My car had an accident. And it has serious damages. That pose a serious harm to my engine. I reported the accident and made a claim. They assigned an assessor to inspect damages of the car. The assessor called me to send pictures of the car. And indicated they won’t come to physically asses the car because I live too far. They concluded my claim on pictures of a front damaged bumper, even I insisted on a physical assessment. They rejected my claim. And told me to fix my car by my own money. I took the car to Panelbeaters to assess damages. And they found so many damages on my engine, the fan, the radiator, etc. they don’t make any communication with their clients. Whether you call or send email. They don’t respond, unless you tell the broker. Their service is poor and they don’t care about their clients. They just want their money. I urge people to never ever take this affinity affordable insurance.