Unfair settlement

on the 7th of October 2015, I was hijacked from my place of residence. The claim was lodged through broker to Hollard who is my insurer and after a month they got back to me with what was an unfair settlement. The settlement breakdown, has left me out of pocket and was calculated in a way that does not make sense. I have had my broker chase this up with no luck and have also personally followed up with their senior claims manager who just told me that the settlement is correct and did not even try and explain it to me. I had taken credit shortfall with Hollard but I am now left with a debt of over R11 000 that I need to pay to the financier. Its been over a month and my car is not settled and I have lost the courtesy car and have had to take taxi's. I have now signed the agreement of loss not because I agree but because I feel I am in a corner. I have paid for shortfall but above everything else Hollard has not been clear on how this has been app****. <br> I am utterly disgusted by the service I have received in my own dealings with them and will be canceling all my other covers. Its sad that after the ordeal I had I now have to deal with financial problems I thought i was covered for