Well, very bad company, after having the insurance...

Well, very bad company, after having the insurance with them of my car and having it to
ALL RISK: On Friday I had a hit with another vehicle which is guilty of the collision
Well, I call my "insurance" all right!
Today the car arrives at the workshop I indicate. They tell me more or less without 3 or 4 weeks to fix it due to the influx of work.
I turn to the Renault worker and tell him that I need a replacement car and he tells me that I spoke with my insurance. After having it at ALL RISK I repeat ALL RISK.
He tells me that this is another package that I have to take. Sorry! So my insurance is not at ALL RISK.
Gentlemen, it's not a package to go on vacation. We're talking about what I have to work for. I need a car.
Now I am without a car thought that my insurance at ALL RISK would offer me one without thinking. It seems to me that without being blamed for the VERY EVIL blow on their part
Greetings