UNFAIR SETT

I HAD A CLAIM AND QUOTE CAME TO R33500 AND THEY WROTE BAKKIE OFF AS THEY SAY VALUE IS ONLY R33000 BUT SAME MODEL EVERY WHERE BEING SOLD FOR 45000 TO R53000 SO I ASKED IF I CAN FIX IT MYSELF BECAUSE I DOT WANT TO LOSE IT AS I HAD SPEND R25000 ON IT MONTH BEFORE AS EVERY WORN PARTS WAS REPLACED AS I INTEND TO KEEP IT FOR YEARS TO CAME I WAS THAN TOLD IN THAT CASE OUTSURANCE WILL ONLY PAY ME R11000 OUT BEFORE ACCESS TAKEN OFF AND I THINK THATS A RIPOFF.A FRIEND OF MINE GOT SAME BAKKIE SAME MODEL AND HAD LAST MONTH A CLAIM WITH BUDGET INSURANCE HIS QUOTE FOR REPAIRS WAS R32000 AND HE HAD THE CHOICE TO FIX IT HIMSELF OR WRITE IT OFF HE ENDED UP KEEP THE BAKKIE AND GOT PAID OUT R22000 THAT IS DUBBEL WHAT OUTSURANCE OFFER ME SO DECIDE FOR YOURSELF WHO ARE THE BETTER INSURANCE AND DONT BELEAVE THE ADVERTS YOU SEE ON TV