Business ProfileforInsure on the Spot

I purchased full coverage auto insurance for my vehicle through insure on the spot which turned out to actually be Direct Auto. I had an accident on November 14th and needed roadside assistance. The accident was bad enough that my car door wouldn't close. No one was hurt and the other driver was able to leave after exchanging info. I on the other hand could not because my car door would not close. I called the police but they wouldn't come because no one was hurt and was told that I needed to go to the nearest police station to report the incident. I called Roside Assistance and was told that they would not come get me unless I provided a police report number. I kept explaining to him that I couldn't get to the police station and no police were coming because no one was hurt. Thankfully I was in an area that had a lot of auto shops. I drove my car, holding on to the door to the nearest shop. I continued to call the police for help but they never came. I had no choice but to leave my car there. By now I've been trying to get help from the police and my insurance company for about 2 hours, know one came. I left my car with the mechanic and took the bus home. I went to the police station and reported the accident and called in the claim. They told me to call the other person insurance 1st and if they denied claim then call back. Of course the other insurance company denied the claim and ; is that my battle to fight since I pay for full coverage. After the claim being denied by the other person insurance company I called mine, Direct Auto. I put in the claim and provided the information requested, called several times to keep up with the progress of the claim to be told 30 days later that they were only paying $1018 of a $2600 claim. Reasons:1st I didn't take it to they're authorized shop. I couldn't, roadside assistance wouldn't come and get me 2nd they only pay $30 hr labor rate.They gave me nothing for a full coverage policy which is still in force. Help