At this rate, looks like your insurance firm is not a reputable one and also the lady's Islamic Insurance firm is aware, hence taking you for a ride.
I cannot believe, they are telling you to pay Qr. 5K or Qr. 25K, in which case you can buy a second hand reputable brand of vehicle.
Mind if I ask the name of your insurance and the Islamic Ins firm also the brand of your vehicle.
If your vehicle was totaled, I can only think of Korean and now Chinese vehicles. - Sorry.