I insured my 2004 Honda CBR 125R with Budget for its replacement value of R35 000

I insured my 2004 Honda CBR 125R with Budget for its replacement value of R35 000. That's how much it costs to buy a 125cc bike today. When I was involved in a hit and run accident, Budget insurance wrote off my bike. and only paid me out R5 000. From R35 000. I'm DISGUSTED by their service, and will make it my goal to never recommend them to anyone. What motorbike can you buy even second hand for R5 000? Not a happy client. Glad I moved to another insurance company