Worst claim service after accident

My wife was involved in a minor accident on the 16th of July 2023. I lodged a claim with Momentum as her right rear tyre was skew. The first thing that the advisor at Momentum asks me when lodging a claim is to rate his service, my wife was just in an accident 10 minutes before! The vehicle was towed, and I did not receive a single call or update until this morning of the 26th of July 2023. The repair work was approved. The issue was that now the quote was for over R12 000 for bodywork and spray work, nothing related to the tyre. I then went to the panel beater (Zambesi ARC) who now told me that I mustn't take food out of their mouth as they have to quote something to be repaired. I requested to view my vehicle, when they then came driving around with my car with the damaged tyre. The damage they claimed on the body was a scuff mark which I removed with my nail. Why was it then towed if they are driving the vehicle!!! There was NO DAMAGE to the areas that they wanted to spray and repair. I then called Momentum to lodge a complaint and bring this under their attention. The team manager was rude to me at first and asked me what do I want them to do? I must then take my car and go assess it myself. After a long discussion and them finding out that I am also actually a claims assessor by profession they agreed to re asses the vehicle and provide me with feedback again. This is an inflation of the claim, and downright *****. They are now saying that the damages might only be wheel alignment which would have cost me R350. How can you trust an insurer who inflates claims and then expect you to pay the excess of R5000. They also told me that the assessor got to his estimate from photos of the vehicle and did not even look at the vehicle itself, and they never even assessed the actual damage which was the right rear tyre. The advisor at Momentum is Oratile, the assessor at Zambesi ARC is Thabiso. Be very very careful doing business with Momentum Insure and Zambesi ARC. You will pay for things unrelated to your actual problem. I am truly disappointed to find myself in this position after claiming from a huge insurer. I now have a claim on my name, my vehicle is still standing at Zambesi ARC after a week and now everything must be re-done from scratch! Had to collect my vehicle from them today, nothing done. Wheel still skew, told that I can drive the car and go fix it myself.