Hollard's lack of ethics

I was stationary at a red traffic light when a 20 year old client of Hollard's who had his license for a couple of months, came crashing into my car at high speed. The damage to my car with significant. I got two quotes which both estimated the repair at being between at R85 000 and R86 000 respectively. I was offered an initial sum of about R8000 from Hollard for my damage! A Hollard manager (whom I will name if this is not addressed), told me that this was because I was partially to blame - even though the client admitted liability when reporting the case to the police! Immediately after complaining, i was offered a sum of about R32 000, still less than half of the quotes for damage. I gone back the repair services and they have confirmed that this amount is way below the damage to my vehicle and is quite frankly, ridiculous. As a business, Hollard clearly does not believe in ethics, they're just hoping to make a quick buck, without caring about integrity and what is fair and just. If they do not address this mater, I will be reporting them to the ombudsman for insurance. Do NOT use Hollard - take a stand and say no to business practice that is not fair and just!