Santam

So a Santam customer drove into me, after having to submit documents and having to wait since the 18th March and letters of pleading with them as I'm a single mom with 2 kids that has to be at school different days and times and also having to be at work, they just ignored me. I had to deal with several consultants and only to be told they offer a portion of the claimed amount to fix my car and the damage is about R40 000 as their customer claim its partly my fault. I was standing still behind other cars, their customer overtake on a solid line driving in on coming traffic side, when he (on motorbike) noticed a on coming car he had to get back into our lane and swiffed back and swiped me. So now they believe their customer and I must just accept. How can it be my fault? This is the most pathetic service ever and will take this to Ombudsman or court if I have to. In the mean time I have to struggle without a car.