Unhappy Client

Outsurance,have acessed my car and I was told damages amouts to R184 000 which is a write off. Now they offering me a payment of R37 000 only saying the cover doesn't cover write offs, only if the car was ****** or highjacked they would pay the book or market value of the car. Who takes up Insurance only highjacking? My main reason to take up that insurance was for Car Accidents. A friend of mine told me to expect such from them, and now the nightmare has begun. Its not even half of the accessed amount. Worse when I took that cover I was unemployed but made sure I make payments monthly, only to be treared this way. I have a Car Insurance with them, Life and Funeral Cover. But their service is appalling.