Santam vehicle accident claim

it's Now 3 months they haven't yet finalized my claim I always respond to them in time and they are dragging their feet to pay out my claim in the mean time I don't have a car and they increased my premiums last year August and reduced my car value on what I can claim for on the agreement. I have always paid them on time without fail now on the loss of claim document they have reduced the amount to another amount which is not in the agreement they wrote the agreement without consulting me they are now failing to deliver on what they promised which according to me was already a *******, they are proving to be a **** the only reason I can think of why they could not finalize my claim on time is because they may not even have the money to pay my claim as it stands on the agreement.

I'm giving them a 0 based entirely on how they have handled my claim entirely