Raising funds to fix car Campaign

Hi my name is Benita. I need to raise funds to be able to fix my car. I changed insurances and my insurance was supposed to be active from the 1st of December 2023 but because my Broker company messed up and took their time to get everything right my insurance was only active from 15 Jan 2024. On 4 Jan 2024 I was involved in an accident where a lady skipped a red light, she is insured with Hollard and they are only offering me R60 000 to fix my car and they are saying that i should have observed better then i would have seen the car was going to run the red light and then i could have avoided the collision, after we got video footage showing clearly that the light was green for me and red for her. The damage to my car is R180 000. I cant have the car written off because I still owe R 200 000 on my car so what they are offering is not even enough to settle the amount owing on my car. We only have one car between me and my husband and we have now had to borrow a car from family members to be able to get my son to school and for us to get to work. I really need to raise the funds to fix my car because our family members also want their car back.