Poor service from Outsurance. 4 months in and claim not sorted out

My car was ****** and recovered with some damages in March 2021, which resulted in me logging a claim with Outsurance immediately. The car was then taken to the panel beaters within a couple of days and the panelbeaters asked me to come and confirm previous damages which should not be part of the claim, which I did. The panel beaters then contacted Outsurance to add some items which the assessor missed to include initially before they can continue. I kept on calling both the panel beaters and Outsurance to find out how far my claim was and only after numerous calls and emails in mid July does Outsurance decide to write off my car. It took me calling and becoming a pest that my claim was given attention to. I spent money hiring cars to get by thinking that my car will be fixed and ill get it back, but seemingly the claims consultant and assessor didn't care about my claim. Then they come back to me with a rediculous settlement amount which is WAAAAAAAAYYYYYY below retail value of my car, I then AGAIN have to be the one doing the research and giving them the correct amount. As if things will move swiftly and my claim will be settled, 2 weeks have gone by and no settlement has been made and I keep on getting vague answers from the consultant. Yet I have been paying my premiums monthly.