Don't want to indemnify me

CP036253 is my claim number. My vehicle is being damaged by water to fix the damage bmw quoted R240000 and momentum only want to pay me 169000 their reason is that they replacing my engine with a new one. I told them where ever they got that quote of 169000 they must take it there and I'll pay my access I didn't have any problems with my engine and the car is a 2010 why would I want to put a new engine now they are forcing me to pay the R69000 betterment for a new engine or they compensate me with 169000 I refused the payment cause if they accepted a second car risk they must be able to indemnify when there's problems cause if they can't fix it with that money how will I fix it. I've consulted with independent assessors who all agree that they've treated me unfairly. I came to momentum thinking it's an ethical company but I'm doubting it is. It took the 3 months to settle my contents claim last year. Now its already a month and they're no fixing my car saying I can do it myself. The worst part is that their managers are not reachable at all. I think they trained consultants to always say they're busy and they'll never call you back