OUTsurance refusing to payout

I had an accident in 2023 at the corner of Sandton drive and Rivonia. The car I had an accident with overtook/(overtake) the car in front of him to turn right and he skipped the red robot and as a result we collided coz I was on yje right as his side the traffic light was red. And after the accident we exchanged numbers as per the law and the guy told me he was insured with OUTsurance he gave me all the details of his insurance so I called OUTsurance and laid the claim and explained and showed the pictures and they refused to pay my claim saying I’m also wrong I should be more careful on the road. I told them that their client skipped the red light but still they did not pay me and I lost my car as it was written off. I would never recommend anyone to get OUTsurance as they lie and rip you off when it comes to claiming even though their client was in yje wrong and he admitted that he was wrong and should claim from OITsurance. I could not get the video footage of the accident to shown them as the guys who own cameras at that area is VUMA and they r fused to give me the goo as I was a civilian and they wasted 6000 to release the footage to me.