Making innocent people pay for their clients mistakes

I was in an accident in which Old Mutual Insure's client jumped a stop street and hit the back door of my car. When I spoke to OM Insure they advised that 3rd party claims are handled by Quest Claims. So began the absolutely shocking service. After more than 45 working days, they have now advised that they will only pay 60% of the cost of my repair. And their view of the cost is R10k less than the two quotes I received. And they haven't even seen my car. So for a no fault claim I am still expected to pay R10k or more for a repair. And they have the audacity to send me an email which implies that I had some liability in the accident. Apparently I'm supposed to have predicted that their client would jump the stop street and hit my car. I have had to chase them every step of the way, just to be told that I am still going to be out of pocket. Absolutely disgusting service!