OUTSURANCE PATHETIC SERVICE

I have laid a number of complaints with Outsurance since my accident in October last year, and might i add no fault of mine like i stated numerous times to Outsurance. After several months of fighting they lowered my premium to R505, this amount was acceptable. Now they do a rerate and my premium goes up to R630 (PATETHIC) i call in to complain and they managed to lower it to R590.28 telling me they cannot lower it any less as my accident costed them R24000, and i have only paid R13000 thus far. My question is if i pay a premium for life insurance of R500 and my cover is R1.5 million and i die after 3 years they have to pay out they loose R1.5 million but how do they claim it back from a dead person. Insurance is a risk on both parts, if i have been paying an premium for 10 years and havent claimed once i loose +/- R60 000 but thats a risk i take. Same counts with the insurer its a risk they take by insuring people. I stand strongly to my word when i trade in my car, i will never take out insurance with Outsurance again, Because im always the one loosing OUT at the end of the day.