Could someone please help with some advice.

Two months ago I was in a car accident where a Bakkie skipped the red light in front of me and (although i braked in attempt to prevent the collision) I collided into the side of him, writing off my car and badly damaging his. When my husband arrived on the scene, the driver of the bakkie apologized and said that he had not seen the red light. The accident was reported and both cars were towed away. After reporting it to our new insurance company, we were informed that there was an error when we changed insurers and the car was not covered. Thankfully the accident was on CCTV camera footage so we proceeded with a third party claim. For obvious reasons I will not mention the company's name, but it has been a nightmare ever since. For two months we have jumped through ever hoop they have thrown our way and finally they have sent us an offer of approximately R13 000 for a car that's retail value is R101 000. They used the excuse of "Apportionment of damages act" and claimed that I had been negligent therefore I was 30% responsible for the accident and 30% responsible for the damages resulting. They did not compensate for towing fees or medical costs which came to an additional +-R8000.

We sent a complaint to their supervisor stating that they can not possibly hold me 30% accountable as I did Brake and could not swerve to avoid the accident as I was in the middle lane of 3 lane traffic. I was also not speeding or driving recklessly. They then came back to us and said they stick to their offer and even if we take them to court the court will make the same decision. Our next step is to contact a lawyer and directly sue the other driver for all costs involved however I just want to find out what people think before I waste more money that I don't really have on lawyers fees.

Could someone please help?