Who is committing *****?

During insurance value of car insured for R165 000. With claim after accident not even my fault Old mutual only paid out R141 000. When insured old mutual use one set of rules to value your car but with claim they use another set of rules.... apparently they use one company's higher value during your payment but use another company's lower value to pay your claim out.

That is *****ing monthly your value between the two values. In my case it were R24 000.

When I query the claim and I want to sue for the outstanding R24 000 the relevant person said I am committing ***** when I claim the responsibil party of the accident the difference in insured and paid out.