Waiting 6 months on a 3rd party claim...still unresolved.

I have been trying to do a third party claim. Their client bumped into our car while our car was at a STANDSTILL in traffic on the highway. All other cars were waiting in line during traffic but their client was to busy to step on the break. The police officer on the accident scene fully agrees that their client holds 100% responsibility. HALF A YEAR went by, I finally received the settlement offer and Oakhurst was only willing to cover 80% of the damages and did not state any reason as to why only 80%. The lady (Lydia) in liabilities was EXTREMELY difficult to reach, when she promised to return a call, she never does. I probably spent over hundreds of rand just on calling Oakhurst. The least she could do is to refer me to someone else in the department who is not so busy...TERRIBLE TERRIBLE TERRIBLE insurance company, don't ever become their client, service is *******, inefficient, ***********. 6 months on a third party claim and still ongoing...I'm speechless and super disgusted!