Ripped by insurance company

<p>Good day,</p> <p>I'm writing this letter heart broken, I'm insured with western national number:SB110589/14. Currently got into an accident the cost of the damage is R 23400.57 and the insurance wants me to pay access fee of R 18000.00 because the third party run off , so its irrecoverable cost on their side. I don't know was I supposed to chaise after a taxi and risk being shoot. Please help me i'm out of option I cant afford that cash.</p>