Zurich Insurance not paying in full for damages.

Zurich insurance refuses to pay in full for the damages caused by their client in a MVA. My wife was standing at the red traffic light at an intersection, and when it was green, she proceeded, and that was when their client jumped the red robot and broadsided my wife and son on their way to work. This has been made clear to them, but they are implementing a 70/30 rule \in my favour". I had cancelled the insurance of our vehicle as I was getting ready to sell the vehicle in two weeks time from the date of the accident. This was his explanation of the ruling outcome: \""We apportioned the matter @ 70/30% in your favour. Your repairs amounted to R45"