poor black woman taken advantage of

about 2 months ago a Miway client bumped me from behind while i was at a stop sign. as required when you claim from any insurance company I was asked to get 2 quotations. The cost of repairs came to 32 000 and the value of the vehicle as per their assessor is 44 800. For this reason my vehicle was written off. Now Miway doesn't want to settle the claim. All they want is to pay 24 000 for damages caused while I was stationary at a stop sign. I roe the day someone insured with Miway bumped me from behind because this has made sure that I now have a debt that i did not go out to get. I am able and willing to pay for the damages in from for my vehicle but it is unfair to be asked to pay for the damages at the back. What I need to know from Miway is why must I? I was stationery, I didn't cut her or put her in a position where she bumped me. why must I pay for the damages? please explain why. I do not want to hear any legal rig-moral that doesn't help. Why must I pay for something that I didn't't cause? because your not paying for those damages is simply saying that I should. I don't want to hear about salvage just pay for the damages caused by your client. That is only fair.