CLAIM - MIWAY

Good day I submitted a claim as someone reversed into me. The damage for my vehicle was approximately R4300.00. Miway says as my car is a 2005 model, the value is only +-R25 600.00, should I take the option of a payout as they feel my car is irreparable. The other option is to pay me R4300 (less my excess), and I get to keep my car, so I can repair it. I need to pay out of my pocket the difference to have my car repaired, due to no fault of mine. Out of interest, I called OUTSURANCE and they gave me a figure if I insure with a value of R34k. This is the amount I will be paid out if I had an accident if they felt my car was irreparable. Approximately R9k difference? I bought my car brand new and have been the only driver. I know what state my car is in as I have looked after it, replacing parts when required and having it serviced regularly. Surely, all that should be taken into account? I was informed I would receive an email giving me my payout options - today is Friday, still NO EMAIL!! What about the inconvenience and not having a car while I have to repair my car, surely there should be some compensation for that too and my payout should be higher ? You should look after your clients Miway, as this one is not a happy one!