********** by outsurance

On 2nd October 2023 my vehicle incurred minor scratches caused by another vehicle who had misjudged and turned into me. His vehicle was in pretty bad shape to begin with so the little scratches incurred on both vehicles were minimal. My full claim including my excess amounted to R4531.31 . He claims fro. His insurance for more than R20K and outsurance then tells me that they have a 70/30 policy and because I have to pay 30% of his claim I will not get my excess back because his claim is so much larger than mine. 1stly I was not in the wrong, he turned into me and 2ndly how do they allow a minor scratch on my car to then allow him to claim in excess of R20K. I am now not getting paid my excess back. Outsurance is a ****** *******. They should stop spending millions on advertising and look after there clients