My car was involved in an accident, and the insurer stated they would cover it based on its market value, which they estimated at R192,000

My car was involved in an accident, and the insurer stated they would cover it based on its market value, which they estimated at R192,000. However, they are now using a lower price value because the car was purchased at an auction. I have requested the call recording to confirm the agreement we had at the time of the agreement to insure my car with them.