Revalued damage VHV makes the stress full

Hello Have the following problem. Had had a fall about 3 weeks ago where I was in debt. This is my 10 mon. New car total damage because I had overtaken me. My problem now consists of it. my insurance now only counted the money from the residual value. So of about 14000 euro. The car was still financed. Although with the VHV insurance a revalued damage up to 14 months after first registration. I have to calculate the nevertheless from the purchase price of approx. 24000 Eur o. Or how does it work. To my question why now of residual value and not of the purchase price I got a write where is in it. I would now have to buy a new car that costs exactly as much as the broken one and to send them the purchase invoice and car letter and they will see if I come to the revalued compensation. Is that so Okej as the insurance wants to have it. Will now go to the lawyer. Because they also do not want to pay the stand fees. Although in my contract stands until z u 14 weeks will cover the costs. Thank you for your help Weil don’t know any more. Thanks So in VHV I am insured last time. Customer advice is totally bad and naughty. to the question who I buy a cheap car now what dan. The answers dan , dan they got enough from us. To the question the car is finanziert need the money to delete the first loan who I must buy a new car. Answer. is not our problem.. So am totally with the n Erven Kaput. am now on almost 10000 euro sitting geliben .. hammer.