****** Car then Insufficient money in the jar.

My car was ****** and according to OUTsurance, despite the premium that was agreed to being payed (R70 000), they only wanted to give us 31 000 which we had to fight for to get 37 000. THEY HAD TO PAY 70 000! but didn't because 'we couldn't provide a photo of my car proving the state that it was in before being ******'. I ask you now, how many people takes regular photo's of their cars to prove that every inch is still good? I however only have photos of fragments of my car being shown. That requirement however doesn't mean squat if the agreed for premium was successfully payed each month since we signed up for it, WHICH WE DID!! Feels like we were ****** twice... My car was ****** last year 7 November 2016 from inside the yard behind an electric motor gait. The time period from which it was ****** was between 2AM and 6AM in the morning since I was up until two and even had checked outside just out of habit whilst washing my hands. My mother wakes at 5 and only noticed the car was gone at around 6AM from where the gate battery was busted to open the gate. Seems they broke the back window which somehow must be the reason why the alarm didn't go off. Either way they knew what they were doing. Police arrived, but only did their required work. Never heard anything from the inspector since. Why this was brought up is that I'm still without a car and that THAT money would've helped a great deal. Especially in times like were living in today.