Auto and General...NOT SO REPUTABLE INSURANCE COMPANY. STAY AWAY!!!!

I was hit by an oncoming vehicle which did not adhere to the road sign in front of him, which entail caused an accident (which resulted in me not being at fault). I then contacted my insurance company to collect the vehicle and had it assessed.

According to my knowledge, once the air bags pop out, the vehicle is regarded as written off, however my insurance company (Auto & General) strongly advises that the vehicle should be repaired and not replaced. I called the assessor to enquire about the progress of his report regarding the car and he said that he wrote the car off. I then called Auto and General and they stated that they will not regard the car a write off. This is contradicting statements to me as a valued paying customer, further this gives me no confidence in you my insurance provider and in my new car only 4000 km’s which is 3 month old which I should be driving with my 6 month old son going forward. The idea of driving a “written off car” instils no confidence in me as a constant reminder that this car should not be on the road.

I have been in constant communication with the panel beaters (Renew-IT) as they have gladly provided me with the following information:

Value of the car: R226 994

Damages value: R144 040

Half of value :R113 497

At the moment the outstanding balance on the car is much more than the current value as it had now depreciated after the accident. The panel beater has also stressed that the amount to fix the car is too high. I feel as though my insurance is vuctimizing me for I am a young female and also I don't know what exactly is going on. The experience I've been having has been nothing but traumatic.

At this point I believe that Auto and General is not a liable insurance company for they have no remorse to your situation for they only looking at the easy way out for them.

This has by far been the worst encounter ever.