getting Nothing out of outsurance

<p>Good day i just don’t understand how Outsurance works my mom brought a brand new car in 2011 a Atos and about a month and half ago someone drove into the back of us NOT our fault and we drove into the lady in front of us Outsurance gave us our 2 options of ways to claim so we went with claim through our insurance so we can have the car repaired faster it was a small bumper bash it really isn't that bad the car has still been driving 100% you can’t really see damage just mainly front bumper we go to have the car accessed they come back with a Quote of over 34000 to fix which is just out rages!!!!!!! now they want to right the car off as the value of the car is 54000 but my mom is still paying the car off and is owing 48000 so what the hell would she buy for 6000 then outsurance gives us another option give us 20000 and we fix it ourselves so we went for that option NO one told us that they had to confirm this with the finance house and now at square one the finance house has made the choice to not let us repair the car who are they in this whole story my mom is paying for the car this whole thing is a ****!!!! I told them I got a Quote for 20400 to fix the car and now we are waiting for feedback can’t believe a person pays 40000 in premiums and gets nothing back when needs the help</p> <p> Claim Number *** </p>