Insurance companies that lie to you

This is regarding a 3rd party claim. I did write a review after my claim was rejected . This was based on the fact that their client was not thinking clearly due to the emergency on the road. His thinking was so impaired that he flew across a barrier onto oncoming traffic. It seemed that there is some law that says the insurance company then should not pay out. After I reviewed this I was told hold on we will review your claim. Take note my car has a market value of R165.000, is still being financed. I get a call today saying yes that is the market value but after they factored In stuff that went over my head, they willing to pay out R38.000. Explain how I'm I supposed to recover from this loss. This brings me back to the question as to why I'm I paying insurance. Would any of you accept this. I have written to Wendy Knowler, I will submit all the records. I will also explore all other avenues. How can this be possible. The head of Auto and General should kindly contact me. Somethings don't add up. Is it because the client had a business insurance and knows smart ways to not pay out claims. From rejecting my claim then offering me a pittance.