12k for a 63k vehicle if that's sounds fair go for this insurance

Not trustworthy wants to pay out 12k now for a car that's valued at 63k and written off claims that accident is a 40/60 but some I know had similar accident same place and was paid 80%, I have suffered more losses that a lousy 12k my car is a write off had to get transport for kids school cost 2000 a month had to also pay now for tution transport was making a profit with my car as i was charging other school kids now im in a total loss of a car plus monthly cost These guys have no heart and treat customers very bad Spoke to Rachel from there she is persistent that my offer is fair 12k for a 63k vehicle