A delay in processing my claim, unprofessionalism in handling my claim, heartless consultant

On the 6th of July, It was unfortunate to have my car ******, during the funeral of my dearest grandfather. My car was parked outside whilst the funeral service was underway. As if the loss of losing a loved one wasn't enough, I had to endure further pain of losing my car and was later recovered by the tracker and the help of SAPS. The car was recovered but had to be taken to the pound for clearance as it was ******. On Monday morning the 8th of July, I lodged a claim with my insurance. The car was only retrieved from the pound on the 17 of July. The assessor called to ask a few questions and after few hours he told me that he had assessed the car and it was uneconomical to fix it and it will cost R60 000. He asked if I was still paying the car and I told him no it was paid up. I was told that the car was going to be write off. The Claims Consultant (Reagan Van Niekerk) called me and told me the same thing. I asked him if I have any option regarding my car and he told me that if I don't want it to be a write off, I will have to withdraw the claim and fix it myself. In my dismay I asked how many assessor's did they use and he said they use only one and I will be paid a market value of R84 000. I explained to him that I am in no position of buying a new car and start afresh a new 5 year debt. When I was searching for insurance, I recall getting into their website where I read "Budget insurance understands that life is getting more expensive by the day and that keeping up with daily necessities is a difficult task. I was told to provide previous cover to prove that I have been with insurance in order for them to continue with the process of my claim. It's been three weeks without a car, my job requires me to have a car, I have a child that I need to take to school. This is inconvenience! I asked if on the policy document is there a clause that says when you claim they require proof of previous cover BEFORE they can consider my claim. I AM STRESSED, DEPRESSED! A car that did NOT even get into an accident but I've since been told that my car will be WRITTEN OFF simply because there's no radio, speedometer, tool box, cluster box and minor scratches that took place on the car door when car ******* forcefully tried to open my car. Just for few things , I'm being told that the car I've had so many memories with will then be written off. They threaten to do that, without exhausting any alternative options that would best suit both parties but mainly taking an easy way out that would obviously benefit BUDGET INSURANCE in the long run. When I asked the consultant if there is no other way for both parties to reach a conclusion, he told me NO My claim was met with many delays and broken promises, I have to call and follow up with them. To date, I have not received feedback, recordings when the consultant called me to offer me insurance. The decision that has been made towards my claim. July is by far the most stressful month, NOT only because of losing my dear grandfather or having my car ****** but because of the treatment of BUDGET INSURANCE and *********** and cold hearted people that they have at their disposal. May I request that my claim is finalized and my car fixed WHY DO WE TAKE INSURANCE TO PROTECT US IF ANYTHING HAPPENS? I AM SO DISSAPPOINTED!! I have spent to much just to get to work, fetching my daughter and do some errands.