Unifour Financial Services review: Financing and insurance

I purchased a 2013 Ford Mustang from unifour Financial Sept 19 2023 and at the time of purchase they persuade me to buy my comprehensive, collision ins thru there finance company which I thought was a great idea in the beginning.I also purchased Gap ins.just as a precaution.I have been paying 350every two weeks which is my ins and my car payment.On Christmas Eve I was traveling home from visiting family and had an accident and totaled my mustang.At this point I dnt even know why I purchased any ins . Unifour is telling me I owe 570 reimbursement tow fee and a 500 deductible or they want release a letter of total loss so now I'm not only out of a car but I can't even buy another car because I still have open auto loan on my credit .correct me if I'm wrong but isn't a deductible paid when damages are being fixed and the car will be returned to you? And as for towing doesn't the INS company pay for the towing bill ? Comprehensive,collision,and gap and I'm still reliable for the towing of a totaled vehicle?They are telling me my ins doesn't cover towing and I owe a deductible but this is why it shld be against the law to finance and ins a vehicle they the same company.Now ins want do anything for me .I bet the INS still pays the finance company for the car because the finance company is the ins company ...Also i purchaxrd the car on a wed pd 900 dn and had to turn around and make my first payment on sat 3 days after i got the car i was late on the second week because even tho i told them i get pd bi-weekly they dyill fixed my payment as weekly so thry put out repo for it the second week i had it then the 4 th week smth they srnt the repo bk a second time then a third time before i was finally avble to gdt pd up a week ahead .They wanted to repo. That mustang so bad they cld taste it .And my 3rd complaint is when i signed my papers to buy they car I wad tild it wld be pd for in two yrs thats y the payments were so high to only find out later by the finance company it was 4 yrs to be pd .They also held my tag because I was a week late on the payment and had me driving around on an expired paper tag .this place is not where u want to conduct business

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