Car claim

I have accident on the 7 of this month. I laid claim with my Miway which I was helped by nice person Kedibone but my problem my car was right off and they told me they are only going to pay 30000 for the car is Toyota 1.6 and paid the remain installment with MFC. I cannot even but that car to any place with 30000. I was very disappointed with them. I asked my car to be return back so that I can fix it myself. I am realy disappointed with them. Is it what we paying for this insuranced