Unfair and ******* activities

My car was involved in an accident on the 6th of September 2017. It was paid up SUV 2011 . The insured driver was at fault and aggreed to jumping red robots.His insurance Oakhurst required me to submit three quotes which all written the car off. They requested the book value from my dealer which they got. On the 15 of December they made an offer of R40000 which was not even a quarter of the book value of my car. I rejected their offer and wrote to them on several occasions with no success. To date they have not settled my claim. I felt violated and abused by their action as their insured driver was at fault and now I have to suffer the damages