Disgusting repudiation reason

<p>I was in an accident where I was not at fault, the driver of the Outsured vehicle takes full responsibility. The cliam was submitted and the response from outsurance was they will settle but 'Because every accident can be avoided' OUTSURANCE Claim manager ( Corrie Botha) says they wont pay in full but rather 60% only of damages to my vehicle and that i should pay 40% of the damages to his car.Well then why should we have 3rd party cover to start with or insurance as a whole if the reason for not settling the claim is that we should always be vigilent and drive at resonable speeds and an accident can always be avoided. According to outsurance claims philosophy no claim should be paid out as all accidents can be avoided. Mr Burton Naiker can you please shed some light on this matter for me.</p>