Outsurance underinsured my car

My car was ****** in June 2015. Outsurance paid out what they said was the retail value of the car and what it was insured for. This amount being R109 000. I had shortfall cover with another insurance company and they are refusing to pay out the shortfall of the vehicle as Outsurance underinsured my car when I took out insurance with them. Upon further investigation we found that in 2014 when I insured with Outsurance I was insured for R108 800. when they now paid out they paid out R109 000. how is this even possible if cars value depreciates?<br> <br> We have listened to the recordings and have found that despite asking what I purchased the car for they still only insured me for R108 800. I purchased the car for around R138 000. I am now also being told that I did not indicate accessories such as airbags, ABS Breaks, Metallic paint etc. I was never asked? and I did not know that airbags, ABS Breaks etc are accessories. what layman would know this? I have dealt with various people at outsurance and nobody seems to understand why I am so unhappy and they simply keep shifting the blame. <br> <br> Fact remains outsurance should have asked the proper questions and insured my car properly!