Shocking insurance practise

My Mercedes was smashed where it was parked in its normal parking bay. The car was a total writeoff. The driver of the car that caused the accident was insured by OUTsurance. Her liability was never in dispute. OUTsurance established that the book value of my Mercedes was R46.000 (even though its value to me was easily more than R100.000) but they also decided unilaterally that the salvage value of the wreck was R20.000. So, they paid R26.000. I managed to get rid of the wreck for R3.000 after contacting 5 s**** yards. OUTsurance's unilateral decision that I would get R20.000 salvage for the wreck was theft, pure and simple. We are forced to sign approval as otherwise any payment will be withheld. They also know that individuals will not easily seek justice in litigation. All that gives them the power to ***** from their victims. But it does not absolve them of their highly immoral and dishonest behaviour. I am really very sorry for all their clients, who will for sure be also their victims as soon as a claim arises.