Third party claim not handled appropriately

on the 1st of September 2015, my husband was involved in an accident with one of their client, then the client admitted and luckily traffic officers were around to see the accident from before it happened until the end, they tried to stop Tarryn's client but was in a high speed and could not stop then he collided into our car. the claim was moved from one person to the next sending different assessors to view the car then they said we must submit quotes and additional documents which we did but to our surprise yesterday after 2months of waiting they then send an email saying they will only pay 60% of the claim as per their assessor and panel beater, however that will not put us in the position we were before the accident then the lady (Tarryn said the rest will be from our pocket and she even said it's our fault because we are not insured ) I mean really now we are not wrong their client is the one at fault I don't understand and worse part is we asked for the details of the panel beater who gave them that quote they never responded. this is not acceptable and we refuse to be treated badly for something that is not our fault