unfair settlement figure

I am disgusted at the way 3rd party claims are handled through Standard Bank Insurance. I was in an accident in August. I was at a standstill and a standard bank client hit me from the back going at a speed of 80km/h. My daughter and I were injured. Besides running around and paying expensive medical bills out of my own pocket, I had to find panelbeaters and pay for the quotes a price of R500 per quote also out of my own pocket. After a long process of getting everything together and numerous phone calls to standard bank and to the lawyers dealing with claim shs***, we got a lower settlement then the quotations we sent through to them, I am not working now I have to add an additional R4000 out of my own pocket. This is unfair, their client gets away with everything while the innocent part end up spending over R10 000 for someone else mistake. What do I do, I am so frustrated.