Scam insurance

This insurance doesn't want to pay the amount that it promised to pay, the quote is above the money they pay, i don't mind paying the difference but they don't want to pay. On the multiple quotes that i sent them, there's a not that's saying "the customer is going to settle the difference", but still they don't want to pay. This insurance is a scam, people should be warned because surely I'm not the first one.