what parthetic customer service

What a Robbing insurance company and what a parthetic services. Risk slip insurance is Robbing us we added our on March this year and that we bought with 360000.00 and on the contract is saying sum insured is 360000.00 and we were not told about the retail value which they are to pay out 192000.00 what are we going to do with that amount because you can't even buy a Quatum with that cash.so please stop Robbing us and give us money that can buy another car or fix our car as soon as possible because is 3 weeks now that is our only income we do not have money now what is the point of joining insurance if we will be robbed like this