Stay away from dotsure

Morning. I have sumthing heavy on my heart. I am insured with my car at dotsure. I bought my polo vivo last year November brand new. Never had its 1st service. 3weeks back, sum1 drove in front of me, my car badly damage. Notified dotsure, they did all needed to b done, called me back, assessor wrote my car off. Settlement was R256 800.00.Dotsure sent me an email, stating, they will only settle R148 000,i must settle the rest. So why do I pay for insurance, but the day u need to claim, they have all excuses in the world not to help. Pls people, before u think of joining dotsure, think twice. Make sure u r covered completely. Now, I can't buy another car, due to I must settle R106 000 out of my pocket, which I dnt have, so, put 2 and 2 together, and never join dotsure. First time ever this is happening to me.