Unfair settlement amount by Discovery Insurance

I am highly insulted by Discovery Insurance 3rd party claims I put a third party claim through Discovery as one of their clients knocked into the driver's side mirror even though my vehicle was stationary. Their client confirmed her error and I had to go through the whole process of going to the assessor. We eventually got the assessment report. They refuse to pay the full amount due to me, because of the condition of my vehicle. My bumper is damaged because the wind blew my gate and it knocked against the bumper. I need to know what the condition of my car has to do with payment due to me for damaged caused by Discovery's *********** client, who cannot drive. I would like the total amount due to me, for total repairs unless Denttech is prepared to fix my vehicle for R2000 genuine parts only, I know their labour is more than that. What was even more frustrating was the fact that I had to continuously contact Discovery's agent for feedback. I am currently not working and I don't think it's fair due to an *********** driver that I am forced to pull out money from my pocket, money I dont have. This is unfair. if their is no adjustment to the money due to us for repairs , I will have to contact the Ombudsman.