Bad service and claim expectations

My car was involved in accident,not my fault according to police report.Assesor phone from Virseker telling me car is write off,merely ecause it. Is an imported car.He said,next time buy a SA car,as ifit was a joke.Today Virseker phoned informing me that they will pay me out less than half I owe to the bank.They did not even know car is under HP altough schedule mentions it.They claim resell value as determined by assesor,i mean car only had 40000 km on dial! What a disgrace,i rejected their settlement with utter contempt and await from them positive feedback with proof! Willcancel all insurance with them after this,very bad experience,from start to finish!