Executive motor world Bloemfontein you cheated on me

I entered a rental contract in 2017 with executive motor world in Bloemfontein which by then was free State wheels for 54 months for polo TSI in 10 April 2021 on my 46 month I was involved in MVA where by a taxi ran to me on my way to work driving polo and lost left hearing. I waited for 3 months without response from them after claim and when I informed them I'm considering help from ombudsman they immediately emailed me to say insurance paid and the car is written off but the funny part I insured the car with R198300 in 2017 as I was the one paying insurance with total R6000 with rental included but insurance only paid R132000 and is been 8 months without any correspondence regarding paid out amount and the contract.