the worst experiance

I had an accident on the 8th of April 2015. I took 2 months to process my claim. They deducted almost R60000.00 access from the insured amount then I had to pay R21500.00 access. I then opted for replacement but the dealership responsible for replacement advised me to top up the budget thus I made R20000.00 available but still I have nothing to show but a payment for a car I don't have. I m pretty sure they have already fixed my original car and sold it. There is nothing to do other than going the legal route with these guys. I cannot believe this.