False information over the phone and incorrect payment of claim !!!!!!!!!!!

our vehicle had gotten ******, I contacted disc insure and they assisted very promptly. I had shortfall cover which they said covers a maximum of R150000, they attained a settlement letter which summed up to R262000 (in that R262k I am aware I had extras for R32000). The vehicle retail value is R171500 after seeing the claim payout amount i see that they paid R179500 - They deducted the excess of R10500. I know the extras are not covered. HOW CAN THE TOTAL PAYOUT BE R179500 IF THE VEHICLE WAS VALUED R171500 and I have had it for 6 months ???? YOU ARE TELLING ME THE SHORTFALL ONLY PAID R18000???? this is causing me stress I am unable to perform at work due to this you guys are costing my job which requires me to have a 100% mindset !!! contact me and fix this ASAP!!!