3RD PARTY CLAIMS WITH MOMENTUM...A TOTAL DRAG AND NO URGENCY..

was involved in an accident about a year and half ago , car was written off and was advised that they would claim back access amount from the 3rd party. to date after numerous emails to Momentum issue is still not resolved , 3rd party responded to Momentum saying that they can only afford R300 a month starting from Oct 2022 and they just accepted it. my question is 1. why do we allow people to drive on public roads without any comprehensive insurance? 2. why does insurance company allow 3rd party to dictate what they are willing to pay and how was this agreed on? 4. why do we that take out insurance have to be inconvenienced by negligence of others?